Rowan County property record for 172 E Cardinal Ln, Clearfield, KY 40313
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,492 sqft |
| Lot Size | 0.769 acres (33,541 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $191 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 081-30 00 031.00 |
| Primary APN | 081-30 00 031.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,492 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Stone |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 33,541 sqft (0.769 acres) |
| Cooling System | None |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2042 |
|---|---|
| Street Address | 172 E CARDINAL LN |
| City | CLEARFIELD |
| State | KY |
| Zip | 40313-9741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & .77 A+- DRY CREEK CL-5-20 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 950301 |
Source: Rowan County records, as of November 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 172 E CARDINAL LN, CLEARFIELD, KY 40313-9741 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000017258 |
| Record Updated | Jun 8, 2026 |
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $191.00 Homeowner's exemption | $72,000 (+72.08%) Land $12,500 Building $59,500 | $72,000 (+72.08%) Land $12,500 Building $59,500 |
| 2023 | Homeowner's exemption | $41,840 Land $12,000 Building $29,840 | $41,840 Land $12,000 Building $29,840 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 2 (2015–2018) |
| Most Recent Claim | Sep 2018 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% 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 | ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375 |
|---|---|
| Water Source | Purchased surface water from MOREHEAD UTILITY PLANT BOARD |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2023 |
|---|---|
| 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 138 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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