104 Cardinal Dr, Central City, KY 42330 Property Records

Muhlenberg County property record for 104 Cardinal Dr, Central City, KY 42330

Property Summary

Property Type	Single Family Home
Details	1,922 sqft · built 1972
Lot Size	0.485 acres (21,127 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,500 (May 2026)
Tax Bill	$890 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`142-03-06-008.000`

Property Details

APN / Parcel Number

Primary APN	`142-03-06-008.000`
Alternative APN	`12082`

Interior

Stories	2 Stories
Building Area	1,922 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,127 sqft (0.485 acres)
Lot Dimensions	93 ft deep x 211 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	12082
Street Address	104 CARDINAL DR
City	CENTRAL CITY
State	KY
Zip	42330-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Legal Subdivision	GAS LIGHT PARK SUBDIVISION
Jurisdiction	MUHLENBERG KY
Township / Civil Division	CENTRAL CITY
Census Block Group	2
Census Block	2025
Census Tract	960201

Owner

Source: Muhlenberg County records, as of May 26, 2026

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	2 Individual Names on Record
Mailing Address	1300 W EVERLY BROTHERS BLVD, CENTRAL CITY, KY 42330-1824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage NET 1 FUNDING CORP
Jun 5, 2007	Deed of Trust, Mortgage · Conventional Mortgage HSBC MORTGAGE SERVICES INC
May 13, 2026	Affidavit, Transfer
May 13, 2026	Deed, Transfer · Conventional Mortgage FARMERS BANK AND TRUST
Jun 7, 2021	Deed of Trust, Mortgage NET 1 FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Sep 2, 2005 · Amount on Record
Deed Document Number	2026358908
Deed Book / Page	615 / 1118
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUHLENBERG KY
Property Address	104 CARDINAL DR, CENTRAL CITY, KY 42330-1728
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CARDINAL DR, CENTRAL CITY, KY 42330-1728

Mortgage

Document Number	0M727/1368
Date	Jun 7, 2021
Book Page	M727/1368
Instrument	297271

Lender

Name	NET 1 FUNDING CORP
Type	Lending Institution
Address	CENTRAL CITY, KY 42330

Agreement

Amount	Amount Recorded
Term	179 Months
Due	May 8, 2036

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUHLENBERG KY
Property Address	104 CARDINAL DR, CENTRAL CITY, KY 42330-1728
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M541/524
Date	Jun 5, 2007
Book Page	M541/524
Instrument	149109

Lender

Name	HSBC MORTGAGE SERVICES INC
Type	Mortgage Company
Address	BRANDON, FL 33510

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2037

May 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MUHLENBERG KY
Recording Date	May 13, 2026
Property Address	104 CARDINAL DR, CENTRAL CITY, KY 42330-1728
Document Number	0000358907
Book / Page	80 / 93
Instrument Date	May 13, 2026
Instrument	2026358907
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MUHLENBERG KY
Recording Date	May 13, 2026
Property Address	104 CARDINAL DR, CENTRAL CITY, KY 42330-1728
Document Number	0000358908
Book / Page	615 / 1118
Instrument Date	May 1, 2026
Instrument	2026.358908
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,482.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 W EVERLY BROTHERS BLVD, CENTRAL CITY, KY 42330-1824

Mortgage

Document Number	0000358908,
Date	May 13, 2026
Book Page	768/1133
Instrument	2026.358908

Lender

Name	FARMERS BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUHLENBERG KY
Property Address	104 CARDINAL DR, CENTRAL CITY, KY 42330-1728
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CARDINAL DR, CENTRAL CITY, KY 42330-1728

Mortgage

Document Number	M727/1368
Date	Jun 7, 2021
Book Page	M727/1368
Instrument	297271

Lender

Name	NET 1 FUNDING CORP
Type	Lending Institution
Address	CENTRAL CITY, KY 42330

Agreement

Amount	Amount Recorded
Term	179 Months
Due	May 8, 2036

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	$890.00 (-5.12%) Homeowner's exemption	$145,000 (-)	$145,000 (-)
2023	$938.00	$145,000	$145,000

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 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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