478 Valley Dr, Cadiz, KY 42211 Property Records

Trigg County property record for 478 Valley Dr, Cadiz, KY 42211

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,242 sqft · built 1968
Lot Size	0.42 acres (18,139 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Sep 2019)
Tax Bill	$560 (2025)
Deeds & Mortgages	Aug 2026 Transfer Aug 2021 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`S-12-37-11B`

Property Details

APN / Parcel Number

Primary APN	`S-12-37-11B`
Alternative APN	`194480`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,139 sqft (0.42 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Street Address	478 VALLEY DR
City	CADIZ
State	KY
Zip	42211-7835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUE SPRINGS EST 11B
Legal Subdivision	BLUE SPRINGS EST
Jurisdiction	TRIGG KY
Township / Civil Division	CANTON
Census Block Group	2
Census Block	2001
Census Tract	970301

Owner

Source: Trigg County records, as of August 25, 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	478 VALLEY DR, CADIZ, KY 42211-7835
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 6, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 2, 2024	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 28, 2011	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK
Feb 29, 2008	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK
May 19, 2014	Deed of Trust, Mortgage HERITAGE BANK USA INC
Jul 8, 2008	Deed of Trust, Mortgage HERITAGE BANK
Feb 20, 2007	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK
Sep 19, 2019	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 20, 2007	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2019 · Amount on Record
Deed Sale	Sep 19, 2019 · Amount on Record
Prior Sale	Feb 20, 2007
Deed Document Number	2019201884
Deed Book / Page	306 / 661
Last Transfer Date	Aug 6, 2026
Transfer Doc	0000343704
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TRIGG KY
Recording Date	Aug 14, 2026
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Document Number	0000343704
Book / Page	342 / 511
Instrument Date	Aug 6, 2026
Instrument	2026343704
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 VALLEY DR, CADIZ, KY 42211-7835

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M394/477
Date	Aug 6, 2021
Book Page	M394/477
Instrument	288325

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M420/365
Date	Apr 2, 2024
Book Page	M420/365
Instrument	305449

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

July 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000291/140
Date	Jul 28, 2011
Book Page	291/140

Lender

Name	HERITAGE BANK
Type	Bank
Address	HOPKINSVILLE, KY 42240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2041

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000254/018
Date	Feb 29, 2008
Book Page	254/018

Lender

Name	HERITAGE BANK
Type	Bank
Address	HOPKINSVILLE, KY 42240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2023

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000318/630
Date	May 19, 2014
Book Page	318/630

Lender

Name	HERITAGE BANK USA INC
Address	CADIZ, KY 42211

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 14, 2044

Interest

Rate Type	Adjustable Rate

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000259/539
Date	Jul 8, 2008
Book Page	259/539

Lender

Name	HERITAGE BANK
Type	Bank
Address	CADIZ, KY 42211

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 25, 2023

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000238/704
Date	Feb 20, 2007
Book Page	238/704

Lender

Name	HERITAGE BANK
Type	Bank
Address	HOPKINSVILLE, KY 42240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2027

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	TRIGG KY
Recording Date	Sep 19, 2019
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Document Number	00D306/661
Book / Page	D306 / 661
Map Reference	CAB A SL 6
Instrument Date	Sep 12, 2019
Instrument	201884
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12310 BENNETT RD, UTICA, KY 42376-9317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 VALLEY DR, CADIZ, KY 42211-7835

Mortgage

Document Number	0000201885
Date	Sep 19, 2019
Instrument	201885

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

February 2007: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	TRIGG KY
Recording Date	Feb 20, 2007
Property Address	478 VALLEY DR, CADIZ, KY 42211-7835
Document Number	000240/153
Book / Page	240 / 153
Map Reference	CAB A SL6
Instrument Date	Feb 9, 2007
Transaction Type	Foreclosure
Record Updated	Apr 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	478 VALLEY DR, CADIZ, KY 42211-7835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 VALLEY DR, CADIZ, KY 42211-7835

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	$560.00 (+37.59%) Homeowner's exemption	$110,000 (+27.91%)	$110,000 (+27.91%)
2023	$407.00 Homeowner's exemption	$86,000	$86,000

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

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

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	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	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 107 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Valley Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures