964 Trail Dr, Henderson, KY 42420 Property Records

Henderson County property record for 964 Trail Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,608 sqft · built 1973
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Mar 2024)
Tax Bill	$2,606 (2025)
Deeds & Mortgages	Jan 2016 Mortgage Mar 2024 Sale & Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`65I-164`

Property Details

APN / Parcel Number

Primary APN	`65I-164`
Alternative APNs	`49657` `53197`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,608 sqft Finished Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	480 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	53197
Street Address	964 TRAIL DR
City	HENDERSON
State	KY
Zip	42420-2246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	FRONTIER
Legal Block	K
Legal Lot Number	17
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	1
Census Block	1011
Census Tract	20701

Owner

Source: Henderson County records, as of April 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	964 TRAIL DR, HENDERSON, KY 42420-2246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2016	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 15, 2024	Deed, Transfer · Line of Credit FIELD & MAIN BANK
Nov 19, 2021	Deed, Transfer · FHA Mortgage EVANSVILLE TEACHERS FCU
Jul 31, 2018	Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC
Jan 15, 2010	Deed, Transfer · FHA Mortgage M & I BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2024 · Amount on Record
Deed Sale	Mar 15, 2024 · Amount on Record
Prior Sale	Nov 19, 2021 · Amount on Record
Deed Document Number	20242016
Deed Book / Page	674 / 45
Record Updated	Jun 8, 2026

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	964 TRAIL DR, HENDERSON, KY 42420-2246
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1204/791
Date	Jan 25, 2016
Book Page	MT 1204/791
Instrument	2016001081

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	172 Months
Due	May 1, 2030

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Mar 15, 2024
Property Address	964 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	00RE674/45
Book / Page	RE674 / 45
Map Reference	MB 257 PG 429
Instrument Date	Mar 11, 2024
Instrument	2024002016
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	598 MALLARD CURVE, ADOLPHUS, KY 42120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 TRAIL DR, HENDERSON, KY 42420-2246

Mortgage

Document Number	2024002017
Date	Mar 15, 2024
Instrument	2024002017

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Nov 19, 2021
Property Address	964 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	RE0655/538
Book / Page	RE 0655 / 538
Map Reference	MB 257 PG 429
Instrument Date	Nov 10, 2021
Instrument	2021013507
Transaction Type	Transfer
Record Updated	Nov 5, 2024
Title Company	FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$182.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8304 DUNDEE TER, MIAMI LAKES, FL 33016-6420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 TRAIL DR, HENDERSON, KY 42420-2246

Mortgage

Document Number	2021013508
Date	Nov 19, 2021
Instrument	2021013508

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Mortgage

Document Number	MT1375/687
Date	Nov 19, 2021
Book Page	MT 1375/687
Instrument	2021013509

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jul 31, 2018
Property Address	964 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	RE0632/202
Book / Page	RE 0632 / 202
Map Reference	MB 257 PG 429
Instrument Date	Jul 27, 2018
Instrument	2018008185
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1603 DOVER DRIVE, 1603, LORETTO, MN 55597

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 TRAIL DR, HENDERSON, KY 42420-2246

Mortgage

Document Number	2018008186
Date	Jul 31, 2018
Instrument	2018008186

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

January 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jan 15, 2010
Property Address	964 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	000573/854
Book / Page	573 / 854
Instrument Date	Jan 13, 2010
Transaction Type	Transfer
Record Updated	Nov 5, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4444 MARYEOTTA DR47630

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001045/845
Date	Jan 15, 2010
Book Page	1045/845

Lender

Name	M & I BANK FSB
Type	Bank
Address	LAS VEGAS, NV 89109

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2040

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of November 25, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Henderson County
Municipality	Henderson City
Unified School District	Henderson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,606.00 (+28.25%)	$235,000 (+29.26%)	$235,000 (+29.26%)
2023	$2,032.00 (+0.89%)	$181,800 (+13.63%)	$181,800 (+13.63%)
2022	$2,014.00	$160,000	$160,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 8, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HENDERSON WATER UTILITY/NORTH serves 31,705 people · EPA ID KY0510188
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Henderson Municipal Power & Light Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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