Limestone County property record for 11432 Cardinal Dr, Madison, AL 35756
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,551 sqft · built 2005 |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Jun 2014) |
| Tax Bill | $2,999 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1701010000077000 |
| Primary APN | 1701010000077000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,551 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Dimensions | 317 ft deep x 56.5 ft wide |
| Garage Type | Basement |
| Garage Area | 519 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 648 sqft |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Deck Area | 1,143 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 11700335 |
|---|---|
| Street Address | 11432 CARDINAL DR |
| City | MADISON |
| State | AL |
| Zip | 35756-4361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORRIS ESTATES ADD # 5 LOT 77 |
| Legal Subdivision | MORRIS ESTATE |
| Legal Lot Number | 77 |
| Jurisdiction | LIMESTONE AL |
| Township / Civil Division | MOORESVILLE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21201 |
11432 Cardinal Dr is owned and occupied by an individual who bought it in June 2014.
Source: Limestone County records, as of February 27, 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 | Individual Name on File |
|---|---|
| Mailing Address | 11432 CARDINAL DR, MADISON, AL 35756-4361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2026 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 10, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 22, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2014 · Amount on File |
| Deed Sale | Jun 26, 2014 · Amount on File |
| Prior Sale | Nov 1, 2005 |
| Deed Document Number | 0201427100 |
| Deed Book / Page | 2014 / 27100 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LIMESTONE AL |
| Recording Date | Apr 28, 2026 |
| Property Address | 11432 CARDINAL DR, MADISON, AL 35756-4361 |
| Instrument Date | Apr 8, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 11432 CARDINAL DR, MADISON, AL 35756-4361 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIMESTONE AL |
| Property Address | 11432 CARDINAL DR, MADISON, AL 35756-4361 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2019/67102 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 2019/67102 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIMESTONE AL |
| Property Address | 11432 CARDINAL DR, MADISON, AL 35756-4361 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021/69581 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 2021/69581 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 11432 Cardinal Dr was $2,999 with a homeowner's exemption, up 2.1% from the year before.
Source: Limestone County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Limestone County |
| Municipality | Madison City |
| Unified School District | Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,999.00 (+2.15%) Homeowner's exemption | $42,260 (+1.78%) | $422,500 (+1.76%) Land $42,700 Building $379,800 |
| 2024 | $2,936.00 (+7.55%) Homeowner's exemption | $41,520 (+7.79%) | $415,200 (+7.79%) Land $40,600 Building $374,600 |
| 2023 | $2,730.00 (+29.32%) Homeowner's exemption | $38,520 (+28.74%) | $385,200 (+28.79%) Land $29,000 Building $356,200 |
| 2022 | $2,111.00 Homeowner's exemption | $29,920 | $299,100 Land $27,000 Building $272,100 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 11432 Cardinal Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 29, 2025 · 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 | 5 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 risk around 11432 Cardinal 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 91% of Alabama |
|---|---|
| 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LIMESTONE COUNTY WATER & SEWER AUTH. serves 90,900 people · EPA ID AL0000833 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 275 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
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