206 Cavalier Ct, Richmond, KY 40475 Property Records

Madison County property record for 206 Cavalier Ct, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba
Lot Size	1.22 acres (53,504 sqft)
Owner	2 Individual Names on File
Last Sale	$286,315 (May 2005)
Tax Bill	$3,724 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Oct 2023 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0004-U`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0004-U`
Alternative APNs	`122395` `85359` `51920`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	53,504 sqft (1.22 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	51920
Street Address	206 CAVALIER CT
City	RICHMOND
State	KY
Zip	40475-9699
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FINCASTLE LOT 4
Legal Subdivision	FINCASTLE
Legal Lot Number	4
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2027
Census Tract	10802

Owner

206 Cavalier Ct is owned and occupied by two individuals who bought it in May 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	206 CAVALIER CT, RICHMOND, KY 40475-9699
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL KENTUCKY FEDERAL SAVINGS BANK
Oct 4, 2023	Warranty Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK RUSSELL SPRINGS
Mar 8, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2005 · Amount on File
Deed Sale	May 27, 2005 · Amount on File
Deed Document Number	2005346336
Deed Book / Page	0590 / 325
Prior Transfer Date	May 26, 2005
Prior Transfer Doc	0D0590/325
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	206 CAVALIER CT, RICHMOND, KY 40475-9699
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2019/181
Date	Feb 4, 2021
Book Page	M2019/181
Instrument	2014028871

Lender

Name	CENTRAL KENTUCKY FEDERAL SAVINGS BANK
Type	Bank
Address	DANVILLE, KY 40422

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

October 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Oct 4, 2023
Property Address	206 CAVALIER CT, RICHMOND, KY 40475-9699
Document Number	00D844/355
Book / Page	D844 / 355
Map Reference	CAB 29 SL 357
Instrument Date	Oct 3, 2023
Instrument	2014170345
Transaction Type	Construction Loan
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$50.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 341, STANFORD, KY 40484-0341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 CARDINAL PT, RICHMOND, KY 40475-7653

Mortgage

Document Number	2014170346
Date	Oct 4, 2023
Instrument	2014170346

Lender

Name	FIRST NATIONAL BANK RUSSELL SPRINGS
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 3, 2024

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Mar 8, 2022
Property Address	206 CAVALIER CT, RICHMOND, KY 40475-9699
Document Number	00D819/647
Book / Page	D819 / 647
Map Reference	CAB 29 SL 357
Instrument Date	Feb 25, 2022
Instrument	2014080512
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 COUNTRY ESTATES RD, PAINT LICK, KY 40461-8502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 341, STANFORD, KY 40484-0341

Tax Assessment & Valuation

The 2025 property tax bill for 206 Cavalier Ct was $3,724.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,724.00	$395,000	$395,000
2023	$2,268.00	$233,900	$233,900

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

Flood

FEMA maps place 206 Cavalier Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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	2 in force
Nearby Flood Claims	2 (2015–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 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

Wildfire risk around 206 Cavalier Ct is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct 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 System	KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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