Madison County property record for 130 Cardinal Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 5.1 acres (222,156 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (Nov 2018) |
| Tax Bill | $3,507 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2026 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042A-0001-0008 |
| Primary APN | 042A-0001-0008 |
|---|---|
| Alternative APNs |
|
| Lot Area | 222,156 sqft (5.1 acres) |
|---|
| Account Number | 62066 |
|---|---|
| Street Address | 130 CARDINAL DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSE HILLS LOT 8 BLK 1 (5.1 ACRES) |
| Legal Subdivision | ROSE HILLS |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10702 |
130 Cardinal Dr is owned and occupied by an individual who acquired it in August 2026.
Source: Madison County records, as of September 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FEDERAL TITLE, NAVY FEDERAL TITLE |
| Sep 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Apr 18, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jul 12, 2019 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Feb 28, 2022 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Nov 20, 2018 | Deed, Transfer · Commercial Mortgage TRADITIONAL BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2018 · Amount on File |
| Deed Sale | Nov 20, 2018 · Amount on File |
| Prior Sale | Dec 1, 2006 · Amount on File |
| Deed Document Number | 20182013984927 |
| Deed Book / Page | 767 / 139 |
| Last Transfer Date | Aug 31, 2026 |
| Transfer Doc | 0014374837 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 10, 2026 |
| Property Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Document Number | 0014374851 |
| Book / Page | 445 / 746 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202614374851 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2026 |
| Title Company | FEDERAL TITLE, NAVY FEDERAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180-4907 |
| Investor | Possibly a Property Investor |
| Document Number | 0014374851, |
|---|---|
| Date | Sep 10, 2026 |
| Book Page | 445/746 |
| Instrument | 202614374851 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 10, 2026 |
| Property Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Document Number | 0014374837 |
| Book / Page | 888 / 144 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202614374837 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2026 |
| Title Company | FEDERAL TITLE, NAVY FEDERAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Document Number | 0014374843, |
|---|---|
| Date | Sep 10, 2026 |
| Instrument | 202614374843 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 306 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Document Number | 0M2228/302 |
|---|---|
| Date | Apr 18, 2023 |
| Book Page | M2228/302 |
| Instrument | 2014140626 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | M01874/503 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | M01874/503 |
| Instrument | 2013995430 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0M2137/425 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | M2137/425 |
| Instrument | 2014079397 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 20, 2018 |
| Property Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Document Number | D00767/139 |
| Book / Page | D00767 / 139 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 2013984927 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $355.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 124 HOLLY HILL DR, RICHMOND, KY 40475-8640 |
| Name | Verified Name |
|---|---|
| Address | 130 CARDINAL DR, RICHMOND, KY 40475-8630 |
| Document Number | 2013984928 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | 2013984928 |
| Name | TRADITIONAL BANK INC |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 16, 2019 |
The 2025 property tax bill for 130 Cardinal Dr was $3,507.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,507.00 | $372,000 | $372,000 |
| 2023 | $3,608.00 | $372,000 | $372,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 130 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2026.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (2026) |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 130 Cardinal Dr is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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