103 Cardinal Dr, Central City, KY 42330 Property Records

Muhlenberg County property record for 103 Cardinal Dr, Central City, KY 42330

Property Summary

Property Type	Single Family Home
Details	1,646 sqft · built 1977
Lot Size	0.287 acres (12,532 sqft)
Owner	Individual Name on Record
Tax Bill	$449 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`142-03-06-025.000`

Property Details

APN / Parcel Number

Primary APN	`142-03-06-025.000`
Alternative APN	`21134`

Interior

Stories	1 Story
Building Area	1,646 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,532 sqft (0.287 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	21134
Street Address	103 CARDINAL DR
City	CENTRAL CITY
State	KY
Zip	42330-1726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Legal Subdivision	GASLIGHT PARK
Legal Block	1
Legal Lot Number	20
Jurisdiction	MUHLENBERG KY
Township / Civil Division	CENTRAL CITY
Census Block Group	2
Census Block	2026
Census Tract	960201

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	103 CARDINAL DR, CENTRAL CITY, KY 42330-1726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Closed-End Mortgage FIRST SOUTHERN NATIONAL BANK
Dec 6, 2022	Deed of Trust, Mortgage · Closed-End Mortgage FIRST SOUTHERN NATIONAL BANK
Dec 5, 2017	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 7, 2013
Transfer Doc	00D564/901
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUHLENBERG KY
Property Address	103 CARDINAL DR, CENTRAL CITY, KY 42330-1726
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CARDINAL DR, CENTRAL CITY, KY 42330-1726

Mortgage

Document Number	000M765/93
Date	Dec 3, 2025
Book Page	M765/93
Instrument	334840

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	CENTRAL CITY, KY 42330

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Nov 12, 2045

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUHLENBERG KY
Property Address	103 CARDINAL DR, CENTRAL CITY, KY 42330-1726
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CARDINAL DR, CENTRAL CITY, KY 42330-1726

Mortgage

Document Number	0M742/1367
Date	Dec 6, 2022
Book Page	M742/1367
Instrument	306383

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	CENTRAL CITY, KY 42330

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	191 Months
Due	Nov 17, 2038

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUHLENBERG KY
Property Address	103 CARDINAL DR, CENTRAL CITY, KY 42330-1726
Transaction Type	Mortgage
Record Updated	Dec 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 277877
Date	Dec 5, 2017
Book Page	M698/0596
Instrument	277877

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	CENTRAL CITY, KY 42330

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Nov 26, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$449.00 (-7.61%) Homeowner's exemption	$97,500 (-)	$97,500 (-)
2023	$486.00	$97,500	$97,500

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 October 16, 2013 · 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
Nearby Flood Policies	1 in force

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MUHLENBERG CO WATER DISTRICT serves 16,845 people · EPA ID KY0890302
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2022 Total trihalomethanes resolved · Apr 2020
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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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