109 E Cardwell St, Madison, NC 27025 Property Records

Rockingham County property record for 109 E Cardwell St, Madison, NC 27025

Property Summary

Property Type	Single Family Home
Details	2,354 sqft · built 1954
Lot Size	2.88 acres (125,453 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jul 2021)
Tax Bill	$4,807 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7916-16-72-9970-00`

Property Details

APN / Parcel Number

Primary APN	`7916-16-72-9970-00`
Alternative APN	`118470`

Interior

Stories	1 Story
Building Area	2,354 sqft Finished Area
1st Floor Area	2,354 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Lot Area	125,453 sqft (2.88 acres)

Exterior Amenities

Porch	Slab
Porch Area	1,230 sqft
Deck Area	Deck Area
Patio Area	1,456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	118470
Street Address	109 E CARDWELL ST
City	MADISON
State	NC
Zip	27025-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES 8 MADI
Legal Description	2.98 AC LTS 1,2,5 & PT LT 4 BLK E & ADDL LTS KEMOCA KEMOCA MAP OF
Legal Subdivision	KEMOCA SUBDIVISION
Legal Block	E
Legal Lot Number	1-4
Jurisdiction	ROCKINGHAM NC
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1003
Census Tract	40800

Owner

109 E Cardwell St is owned and occupied by two individuals who bought it in July 2021.

Source: Rockingham County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 E CARDWELL ST, MADISON, NC 27025-1701
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	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Nov 7, 2016 · Amount on File
Deed Document Number	2021614417
Deed Book / Page	1605 / 835
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCKINGHAM NC
Recording Date	Jul 7, 2021
Property Address	109 E CARDWELL ST, MADISON, NC 27025-1701
Document Number	0000614417
Book / Page	1605 / 835
Map Reference	MB 1 PG 58
Instrument Date	Jul 6, 2021
Instrument	614417
Transaction Type	Transfer
Record Updated	Jul 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	631 SARDIS CHURCH RD, 631, MADISON, NC 27025-8205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E CARDWELL ST, MADISON, NC 27025-1701

Mortgage

Document Number	0000614418
Date	Jul 7, 2021
Instrument	614418

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 109 E Cardwell St was $4,807, down 1% from the year before.

Source: Rockingham County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rockingham County
Municipality	Madison Town
Unified School District	Rockingham County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,807.00 (-0.99%)	$378,853 (-) Land $32,255 Building $346,598	$378,853 (-) Land $32,255 Building $346,598
2025	$4,855.00	$378,853 Land $32,255 Building $346,598	$378,853 Land $32,255 Building $346,598
2023	$2,933.00	$194,871 Land $28,339 Building $166,532	$194,871 Land $28,339 Building $166,532

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

Flood

FEMA maps place 109 E Cardwell St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	13 (1979–2024)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2024 · rainfall accumulation

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 109 E Cardwell St 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 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF MADISON serves 2,116 people · EPA ID NC0279030
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Cardwell St

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