Hardin County property record for 181 Cardin Ln, Upton, KY 42784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,847 sqft · built 2007 |
| Lot Size | 3.98 acres (173,674 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500 (Oct 2006) |
| Tax Bill | $1,877 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 212-00-00-026.02 |
| Primary APN | 212-00-00-026.02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,847 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 173,674 sqft (3.98 acres) |
| Garage Type | Attached |
| Garage Area | 726 sqft |
| Porch | Porch |
| Porch Area | 256 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 181 CARDIN LN |
|---|---|
| City | UPTON |
| State | KY |
| Zip | 42784-9711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALVEY SUBD LT2 #2 |
| Legal Subdivision | ALVEY SUBD |
| Legal Lot Number | 2 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | SONORA |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 1602 |
181 Cardin Ln is owned and occupied by two individuals who bought it in October 2006.
Source: Hardin County records, as of January 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 181 CARDIN LN, UPTON, KY 42784-9711 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2006 · Amount on File |
| Deed Sale | Oct 11, 2006 · Amount on File |
| Deed Document Number | 0001205452 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Jun 2, 2026 |
| Property Address | 181 CARDIN LN, UPTON, KY 42784-9711 |
| Document Number | 2617001327 |
| Book / Page | 2617 / 1327 |
| Instrument Date | May 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 181 CARDIN LN, UPTON, KY 42784-9711 |
| Document Number | 2617001327, |
|---|---|
| Date | Jun 2, 2026 |
| Book Page | 2617/1327 |
| Name | LINCOLN NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 181 Cardin Ln was $1,877.
Source: Hardin County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Unified School District | Hardin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,877.00 | $195,200 Land $24,000 Building $171,200 | $195,200 Land $24,000 Building $171,200 |
| 2023 | $195,200 Land $24,000 Building $171,200 | $195,200 Land $24,000 Building $171,200 | |
| 2021 | $1,894.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 181 Cardin Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 181 Cardin Ln 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARDIN COUNTY WATER DISTRICT #2 serves 76,326 people · EPA ID KY0470175 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: Brandenburg Telecom, Telecast Communications.
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