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202 Cavalier Ct, Richmond, KY 40475 Property Records

Madison County property record for 202 Cavalier Ct, Richmond, KY 40475

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 1,993 sqft
Owner2 Individual Names on Record
Last Sale$250,000 (Dec 2017)
Tax Bill$3,026 (2025)
Deeds & MortgagesJan 2021 Mortgage
Dec 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0044-0000-0004-S

Property Details

APN / Parcel Number

Primary APN0044-0000-0004-S
Alternative APNs
  • 122413
  • 85377
  • 51936

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms12 Rooms
Stories1 Story
Building Area1,993 sqft Living Area
1st Floor Area1,865 sqft
Basement Area1,865 sqft
Finished Basement1,865 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Exterior MaterialBrick Veneer
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Garage Area499 sqft
Parking Spaces2 Parking Spaces
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number51936
Street Address202 CAVALIER CT
CityRICHMOND
StateKY
Zip40475-9699
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFINCASTLE LOT 2
Legal SubdivisionFINCASTLE
Legal Lot Number2
JurisdictionMADISON KY
Township / Civil DivisionKIRKSVILLE
Census Block Group2
Census Block2027
Census Tract10802

Owner

Source: Madison County records, as of December 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address202 CAVALIER CT, RICHMOND, KY 40475-9699
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
ARK-LA-TEX FINANCIAL SERVICES LLC
Dec 22, 2017Intrafamily Transfer, Transfer · Conventional Mortgage
ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 22, 2017 · Amount on Record
Deed SaleDec 22, 2017 · Amount on Record
Prior SaleNov 28, 2005 · Amount on Record
Deed Document Number20172013969483
Deed Book / Page00754 / 183
Prior Transfer DateDec 20, 2017
Prior Transfer DocD00754/183
Record UpdatedJun 8, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address202 CAVALIER CT, RICHMOND, KY 40475-9699
Transaction TypeMortgage
Record UpdatedDec 9, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM02014/459
DateJan 20, 2021
Book PageM02014/459
Instrument2014027959
Lender
NameARK-LA-TEX FINANCIAL SERVICES LLC
TypeMortgage Company
AddressPLANO, TX 75024
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueFeb 1, 2036

December 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMADISON KY
Recording DateDec 22, 2017
Property Address202 CAVALIER CT, RICHMOND, KY 40475-9699
Document NumberD00754/183
Book / PageD00754 / 183
Map ReferenceMB10 PG159
Instrument DateDec 20, 2017
Instrument2013969483
Transaction TypeTransfer
Record UpdatedDec 9, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$250.00
Amount AccuracyFull Amount Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1770, RICHMOND, KY 40476-1770

Transferred To (Grantee/Buyer)

NameVerified Name
Address202 CAVALIER CT, RICHMOND, KY 40475-9699

Mortgage

Document Number2013969484
DateDec 22, 2017
Instrument2013969484
Lender
NameARK-LA-TEX FINANCIAL SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2048

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyMadison County
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,026.00 (+11.41%) Homeowner's exemption$370,000 (+32.14%)$370,000 (+32.14%)
2023$2,716.00$280,000$280,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims2 (2015–2026)
Claims Outside the SFHA2 of 2
Most Recent ClaimJun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemKIRKSVILLE WATER ASSOCIATION
private · serves 5,940 people · EPA ID KY0760672
Water SourcePurchased surface water from RICHMOND UTILITIES
Last State InspectionNov 2024
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 47 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T.

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