35 Cardinal Dr, Owenton, KY 40359 Property Records

Owen County property record for 35 Cardinal Dr, Owenton, KY 40359

Property Summary

Property Type	Single Family Home
Details	1,720 sqft
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Mar 2025)
Tax Bill	$2,046 (2025)
Deeds & Mortgages	Apr 2024 Transfer Apr 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061-60-00-002.00`

Property Details

APN / Parcel Number

Primary APN	`061-60-00-002.00`
Alternative APN	`12105`

Interior

Stories	1 Story
Building Area	1,720 sqft Living Area
Basement Area	1,360 sqft
Unfinished Basement	1,360 sqft

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	24 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	12105
Street Address	35 CARDINAL DR
City	OWENTON
State	KY
Zip	40359-9006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 LOTS/HOUSE
Legal Subdivision	CARDINAL DRIVE SUB
Jurisdiction	OWEN KY
Township / Civil Division	OWENTON
Census Block Group	1
Census Block	1018
Census Tract	970201

Owner

35 Cardinal Dr is owned and occupied by two individuals who acquired it in June 2025.

Source: Owen County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	35 CARDINAL DR, OWENTON, KY 40359-9006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Apr 19, 2024	Affidavit of Death of Joint Tenant, Transfer
Apr 19, 2024	Intrafamily Transfer, Transfer
May 23, 2019	Deed of Trust, Mortgage · ARM CITIZENS UNION BANK OF SHELBYVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2025 · Amount on File
Deed Sale	Mar 31, 2025 · Amount on File
Prior Sale	Apr 19, 2024 · Amount on File
Deed Document Number	20251176648
Deed Book / Page	277 / 294
Last Transfer Date	Jun 20, 2025
Transfer Doc	00D278/278
Record Updated	Oct 29, 2026

April 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	OWEN KY
Recording Date	Apr 19, 2024
Property Address	35 CARDINAL DR, OWENTON, KY 40359-9006
Document Number	00D274/403
Book / Page	D274 / 403
Instrument Date	Apr 17, 2024
Instrument	1170800
Transaction Type	Transfer
Record Updated	May 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 572, OWENTON, KY 40359-0572

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN KY
Recording Date	Apr 19, 2024
Property Address	35 CARDINAL DR, OWENTON, KY 40359-9006
Document Number	00D274/404
Book / Page	D274 / 404
Instrument Date	Apr 17, 2024
Instrument	1170801
Transaction Type	Transfer
Record Updated	May 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 ROBIN DR, OWENTON, KY 40359-3107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 572, OWENTON, KY 40359-0572

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN KY
Property Address	35 CARDINAL DR, OWENTON, KY 40359-9006
Transaction Type	Mortgage
Record Updated	Jun 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	DEED283/705
Date	May 23, 2019
Book Page	DEED 283/705
Instrument	2019001430

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	ARM
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2044

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 35 Cardinal Dr was $2,046.

Source: Owen County assessment roll, as of November 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,046.00	$170,000	$170,000
2023	$1,566.00	$131,800	$131,800

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

Flood

FEMA maps place 35 Cardinal Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 35 Cardinal Dr is low, with a 0.01% annual chance of 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	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	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Broadlinc.

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