995 Oakcrest Dr, Henderson, KY 42420 Property Records

Henderson County property record for 995 Oakcrest Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,135 sqft · built 1991
Lot Size	0.204 acres (8,891 sqft)
Owner	Individual Name on File
Last Sale	$150,500 (Oct 2021)
Tax Bill	$1,124 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64G-94`

Property Details

APN / Parcel Number

Primary APN	`64G-94`
Alternative APN	`49466`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,135 sqft Finished Area

Exterior

Year Built	Built 1991
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,891 sqft (0.204 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	49466
Street Address	995 OAKCREST DR
City	HENDERSON
State	KY
Zip	42420-5318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	HILLS-MILLCREEK 2
Legal Phase	2
Legal Block	II
Legal Lot Number	94
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	4
Census Block	4034
Census Tract	20701

Owner

995 Oakcrest Dr is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	995 OAKCREST DR, HENDERSON, KY 42420-5318
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Sep 11, 2015 · Amount on File
Deed Document Number	2021011831
Deed Book / Page	RE 0654 / 529
Record Updated	Jun 8, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 6, 2021
Property Address	995 OAKCREST DR, HENDERSON, KY 42420-5318
Document Number	RE0654/529
Book / Page	RE 0654 / 529
Map Reference	MB 6 PG 3
Instrument Date	Sep 22, 2021
Instrument	2021011831
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 OAKCREST DR, HENDERSON, KY 42420-5318

Mortgage

Document Number	2021011832
Date	Oct 6, 2021
Instrument	2021011832

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 995 Oakcrest Dr was $1,124 with a homeowner's exemption.

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	$1,124.00 Homeowner's exemption	$150,500	$150,500
2023	$1,682.00 (+0.9%)	$150,500 (+46.83%)	$150,500 (+46.83%)
2022	$1,667.00	$102,500	$102,500

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

Flood

FEMA maps place 995 Oakcrest Dr in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1997.

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 File 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

Wildfire risk around 995 Oakcrest Dr is low, with a 0.01% annual chance of 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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