968 Trail Dr, Henderson, KY 42420 Property Records

Henderson County property record for 968 Trail Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,824 sqft · built 1914
Lot Size	0.266 acres (11,628 sqft)
Owner	Individual Name on Record
Last Sale	$214,100 (Jun 2023)
Tax Bill	$2,374 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Dec 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65I-163`

Property Details

APN / Parcel Number

Primary APN	`65I-163`
Alternative APNs	`35459` `52236` `52235`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,824 sqft Finished Area
Basement Area	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,628 sqft (0.266 acres)
Lot Dimensions	114 ft deep x 102 ft wide
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Other
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	52235
Street Address	968 TRAIL DR
City	HENDERSON
State	KY
Zip	42420-2246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	FRONTIER
Legal Block	K
Legal Lot Number	18
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	1
Census Block	1011
Census Tract	20701

Owner

Source: Henderson County records, as of November 24, 2025

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	968 TRAIL DR, HENDERSON, KY 42420-2246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed, Transfer · FHA Mortgage LIBERTY FCU
Dec 13, 2022	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST CO
Dec 7, 2020	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2023 · Amount on Record
Deed Sale	Jun 20, 2023 · Amount on Record
Prior Sale	Apr 24, 2013
Deed Document Number	2023005486
Deed Book / Page	RE667 / 783
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jun 20, 2023
Property Address	968 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	0RE667/783
Book / Page	RE667 / 783
Map Reference	MB 254 PG 274
Instrument Date	Jun 16, 2023
Instrument	2023005486
Transaction Type	Transfer
Record Updated	Jul 6, 2023
Title Company	FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$214.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2761 US HIGHWAY 60 E, HENDERSON, KY 42420-2201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 TRAIL DR, HENDERSON, KY 42420-2246

Mortgage

Document Number	2023005487
Date	Jun 20, 2023
Instrument	2023005487

Lender

Name	LIBERTY FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	MT1420/722
Date	Jun 20, 2023
Book Page	MT1420/722
Instrument	2023005490

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	Jul 1, 2033

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	968 TRAIL DR, HENDERSON, KY 42420-2246
Transaction Type	Mortgage
Record Updated	Dec 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1409/271
Date	Dec 13, 2022
Book Page	MT1409/271
Instrument	2022012564

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MADISONVILLE, KY 42431

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	23 Months
Due	Nov 14, 2024

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	968 TRAIL DR, HENDERSON, KY 42420-2246
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2673 STONEGATE DR, HENDERSON, KY 42420-2195

Mortgage

Document Number	MT1336/801
Date	Dec 7, 2020
Book Page	MT 1336/801
Instrument	2020012984

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MADISONVILLE, KY 42431

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Nov 23, 2025

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of April 1, 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	$2,374.00 (+60.3%)	$214,100 (+61.58%)	$214,100 (+61.58%)
2023	$1,481.00 (+6.93%)	$132,500 (+6%)	$132,500 (+6%)
2022	$1,385.00	$125,000	$125,000

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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