976 Oakcrest Dr, Henderson, KY 42420 Property Records

Henderson County property record for 976 Oakcrest Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1992
Lot Size	0.194 acres (8,446 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (May 2022)
Tax Bill	$1,318 (2025)
Deeds & Mortgages	Sep 2023 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64G-31`

Property Details

APN / Parcel Number

Primary APN	`64G-31`
Alternative APNs	`36465` `50586`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Finished Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,446 sqft (0.194 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	50586
Street Address	976 OAKCREST DR
City	HENDERSON
State	KY
Zip	42420-5317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	THE HILLS-MILLCREEK
Legal Phase	3
Legal Block	3
Legal Lot Number	31
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	4
Census Block	4035
Census Tract	20701

Owner

Source: Henderson County records, as of November 25, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	976 OAKCREST DR, HENDERSON, KY 42420-5317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIELD & MAIN BANK
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit FIELD & MAIN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2022 · Amount on Record
Deed Sale	May 23, 2022 · Amount on Record
Prior Sale	Jan 13, 2014 · Amount on Record
Deed Document Number	20225131
Deed Book / Page	659 / 655
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	976 OAKCREST DR, HENDERSON, KY 42420-5317
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 OAKCREST DR, HENDERSON, KY 42420-5317

Mortgage

Document Number	MT1426/531
Date	Sep 1, 2023
Book Page	MT1426/531
Instrument	2023008043

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	976 OAKCREST DR, HENDERSON, KY 42420-5317
Transaction Type	Mortgage
Record Updated	Jun 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1392/381
Date	May 23, 2022
Book Page	MT1392/381
Instrument	2022005132

Lender

Name	FIELD & MAIN BANK
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	976 OAKCREST DR, HENDERSON, KY 42420-5317
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1389/369
Date	Apr 26, 2022
Book Page	MT1389/369
Instrument	2022004128

Lender

Name	FIELD & MAIN BANK
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 8, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,318.00 (-3.09%) Homeowner's exemption	$168,000 (-)	$168,000 (-)
2023	$1,360.00 (+45.45%) Homeowner's exemption	$168,000 (+34.51%)	$168,000 (+34.51%)
2022	$935.00 Homeowner's exemption	$124,900	$124,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	43 (1997–2019)
Claims Outside the SFHA	1 of 43
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 9 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 14 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 16 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 336 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Conexon Connect, Watch TV.

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