315 Harper Rd, Cadiz, KY 42211 Property Records

Trigg County property record for 315 Harper Rd, Cadiz, KY 42211

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,810 sqft
Lot Size	2.1 acres (91,868 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,500 (Jul 2026)
Tax Bill	$1,345 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-056`

Property Details

APN / Parcel Number

Primary APN	`1-056`
Alternative APN	`214328`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,810 sqft Building Perimeter
Basement Area	905 sqft
Unfinished Basement	905 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	91,868 sqft (2.1 acres)
Garage Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Electric

Location & Zoning

Street Address	315 HARPER RD
City	CADIZ
State	KY
Zip	42211-8152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARPER LOT 2.109A
Legal Subdivision	GREENHILL
Jurisdiction	TRIGG KY
Township / Civil Division	CERULEAN
Census Block Group	3
Census Block	3082
Census Tract	970100

Owner

Source: Trigg County records, as of August 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	562 POND APPLE RD, CLARKSVILLE, TN 37043-2222
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit FORTERA CREDIT UNION
Aug 18, 2017	Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Oct 4, 2022 · Amount on Record
Deed Document Number	2026343346
Deed Book / Page	342 / 351
Prior Transfer Date	Dec 24, 2020
Prior Transfer Doc	0000279696
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	TRIGG KY
Recording Date	Jul 31, 2026
Property Address	315 HARPER RD, CADIZ, KY 42211-8152
Document Number	0000343346
Book / Page	342 / 351
Instrument Date	Jul 31, 2026
Instrument	2026343346
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$151.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	562 POND APPLE RD, CLARKSVILLE, TN 37043-2222

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	315 HARPER RD, CADIZ, KY 42211-8152
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M408/471
Date	Sep 28, 2022
Book Page	M408/471
Instrument	297057

Lender

Name	FORTERA CREDIT UNION
Address	CLARKSVILLE, TN 37040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	TRIGG KY
Recording Date	Aug 18, 2017
Property Address	315 HARPER RD, CADIZ, KY 42211-8152
Document Number	000295/406
Book / Page	295 / 406
Instrument Date	Aug 14, 2017
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	315 HARPER RD, CADIZ, KY 42211-8152
Investor	Possibly a Property Investor

Mortgage

Document Number	0000351388
Date	Aug 18, 2017
Instrument	351/388

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
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	$1,345.00 (+118.34%)	$151,000 (+145.53%)	$151,000 (+145.53%)
2023	$616.00	$61,500	$61,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BARKLEY LAKE WATER DISTRICT serves 14,284 people · EPA ID KY1110019
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	4 ppb (2024–2026) 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 16 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

Cell Coverage

5G (outdoors only) and 4G LTE

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