Madison County property record for 203 Cardinal Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.87 acres (81,457 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,000 (May 2026) |
| Tax Bill | $188 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042A-0001-0006-A |
| Primary APN | 042A-0001-0006-A |
|---|---|
| Alternative APNs |
|
| Lot Area | 81,457 sqft (1.87 acres) |
|---|
| Account Number | 73668 |
|---|---|
| Street Address | CARDINAL DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSE HILLS TRACT 1-B (1.87 ACRES) |
| Legal Subdivision | ROSE HILLS |
| Legal Tract | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10702 |
Source: Madison County records, as of May 28, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 203 CARDINAL DR, RICHMOND, KY 40475-8655 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2026 · Amount on File |
| Deed Sale | May 14, 2026 · Amount on File |
| Prior Sale | May 2, 2023 · Amount on File |
| Deed Document Number | 202614348431 |
| Deed Book / Page | 882 / 646 |
| Prior Transfer Date | Mar 18, 2021 |
| Prior Transfer Doc | 0014031734 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 14, 2026 |
| Property Address | 203 CARDINAL DR, RICHMOND, KY 40475-8655 |
| Document Number | 0014348431 |
| Book / Page | 882 / 646 |
| Instrument Date | May 13, 2026 |
| Instrument | 2026.14348431 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $58,580.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 203 CARDINAL DR, RICHMOND, KY 40475-8655 |
| Document Number | 0014348435, |
|---|---|
| Date | May 14, 2026 |
| Instrument | 2026.14348435 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $188.00 (-3.09%) | $20,000 (-) | $20,000 (-) |
| 2023 | $194.00 | $20,000 | $20,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 | 0.03% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures