249 Second St, Cadiz, KY 42211 Property Records

Trigg County property record for 249 Second St, Cadiz, KY 42211

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,129 sqft · built 1982
Lot Size	0.64 acres (28,041 sqft)
Owner	Individual Name on Record
Last Sale	$84,000 (May 2016)
Tax Bill	$530 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2016 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-6-3-16`

Property Details

APN / Parcel Number

Primary APN	`C-6-3-16`
Alternative APN	`216333`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,129 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,041 sqft (0.64 acres)
Garage Type	Attached
Garage Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	249 SECOND ST
City	CADIZ
State	KY
Zip	42211-9172
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURNER ADD 64 & STRIP
Legal Subdivision	TURNER ADD
Jurisdiction	TRIGG KY
Township / Civil Division	CADIZ
Census Block Group	1
Census Block	1070
Census Tract	970201

Owner

Source: Trigg County records, as of April 20, 2026

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
Mailing Address	249 SECOND ST, CADIZ, KY 42211-9172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 3, 2016	Deed, Transfer · VA Mortgage ACOPIA LLC
Jul 23, 2013	Deed, Transfer · Conventional Mortgage HERITAGE BANK USA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2016 · Amount on Record
Deed Sale	May 3, 2016 · Amount on Record
Prior Sale	Jul 23, 2013 · Amount on Record
Deed Book / Page	288 / 134
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	249 SECOND ST, CADIZ, KY 42211-9172
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M393/913
Date	Jun 22, 2021
Book Page	M393/913
Instrument	286562

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Feb 1, 2047

May 2016: Deed, Transfer

Document Type	Deed
Jurisdiction	TRIGG KY
Recording Date	May 3, 2016
Property Address	249 SECOND ST, CADIZ, KY 42211-9172
Document Number	000288/134
Book / Page	288 / 134
Instrument Date	Apr 28, 2016
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$84.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3400 LEGACY RUN, OWENSBORO, KY 42301-7059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 185, CADIZ, KY 42211-0185

Mortgage

Document Number	0000337392
Date	May 3, 2016
Instrument	337/392

Lender

Name	ACOPIA LLC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2046

July 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	TRIGG KY
Recording Date	Jul 23, 2013
Property Address	249 SECOND ST, CADIZ, KY 42211-9172
Document Number	000273/447
Book / Page	273 / 447
Map Reference	MB1 PG602
Instrument Date	Jun 28, 2013
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17420 W ELAINE DR, GOODYEAR, AZ 85338-1978

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	249 SECOND ST, CADIZ, KY 42211-9172

Mortgage

Document Number	0000311746
Date	Jul 23, 2013
Instrument	311/746

Lender

Name	HERITAGE BANK USA INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2043

Tax Assessment & Valuation

Source: Trigg County assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Cadiz City
County	Trigg County
Unified School District	Trigg County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$530.00 (-12.54%) Homeowner's exemption	$110,000 (-)	$110,000 (-)
2023	$606.00 Homeowner's exemption	$110,000	$110,000

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 April 19, 2019 · 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
Nearby Flood Policies	5 in force

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CADIZ MUNICIPAL WATER CO serves 6,165 people · EPA ID KY1110054
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	6 ppb (2023–2025) 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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
energynet Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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