223 E Cardinal Ln, Clearfield, KY 40313 Property Records

Rowan County property record for 223 E Cardinal Ln, Clearfield, KY 40313

Property Summary

Property Type	Single Family Home
Details	1,140 sqft · built 1980
Owner	Individual Name on Record
Last Sale	$129,900 (Nov 2020)
Tax Bill	$1,087 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081-30 00 033.00`

Property Details

APN / Parcel Number

Primary APN	`081-30 00 033.00`
Alternative APNs	`2577` `2617` `2760`

Interior

Stories	1 Story
Building Area	1,140 sqft Living Area

Exterior

Year Built	Built 1980
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	2760
Street Address	223 E CARDINAL LN
City	CLEARFIELD
State	KY
Zip	40313-9741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE/GAR & LOT EAST CARDINAL LANE
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2008
Census Tract	950301

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	223 E CARDINAL LN, CLEARFIELD, KY 40313-9741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on Record
Deed Sale	Nov 4, 2020 · Amount on Record
Prior Sale	Oct 10, 2013 · Amount on Record
Deed Document Number	2007092
Deed Book / Page	D277 / 447
Record Updated	Jun 8, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Nov 4, 2020
Property Address	223 E CARDINAL LN, CLEARFIELD, KY 40313-9741
Document Number	00D277/447
Book / Page	D277 / 447
Instrument Date	Oct 28, 2020
Instrument	2007092
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 WOODLAND CHASE RD, 234, CLEARFIELD, KY 40313-9756

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	223 E CARDINAL LN, CLEARFIELD, KY 40313-9741

Mortgage

Document Number	0002007093
Date	Nov 4, 2020
Instrument	2007093

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,087.00 (-1.72%)	$129,900 (-) Land $12,500 Building $117,400	$129,900 (-) Land $12,500 Building $117,400
2023	$1,106.00	$129,900 Land $10,000 Building $119,900	$129,900 Land $10,000 Building $119,900

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 April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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