Madison County property record for 527 Cady Dr, Richmond, KY 40475
| Property Type | Duplex |
|---|---|
| Details | 2,236 sqft · built 2013 |
| Owner | 2 Individual Names on File |
| Last Sale | $138,000 (Mar 2021) |
| Tax Bill | $951 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0070-011C-0014 |
| Primary APN | 0070-011C-0014 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,236 sqft Living Area |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 38571 |
|---|---|
| Street Address | 527 CADY DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8294 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | ARCADIAN COTTAGES CONDO UNIT 14 |
| Legal Subdivision | ARCADIAN COVE |
| Legal Lot Number | 14 |
| Legal Unit | 14 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 10902 |
527 Cady Dr, a duplex, is owned and occupied by two individuals who bought it in March 2021.
Source: Madison County records, as of July 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 527 CADY DR, RICHMOND, KY 40475-8294 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2026 | Warranty Deed, Transfer FOUNDATION TITLE |
| Mar 29, 2021 | Deed, Transfer · Conventional Mortgage CUMBERLAND VALLEY NATL BANK & TRUST |
| Aug 27, 2020 | Deed of Trust, Mortgage · Commercial Mortgage 3MANAGEMENT SERVICES INCORPORATED |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2021 · Amount on File |
| Deed Sale | Mar 29, 2021 · Amount on File |
| Deed Document Number | 20212014032403 |
| Deed Book / Page | 802 / 759 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 27, 2026 |
| Property Address | 527 CADY DR, RICHMOND, KY 40475-8294 |
| Document Number | 0014364858 |
| Book / Page | 886 / 68 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202614364858 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Title Company | FOUNDATION TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $21,210.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 527 CADY DR, RICHMOND, KY 40475-8294 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 29, 2021 |
| Property Address | 527 CADY DR, RICHMOND, KY 40475-8294 |
| Document Number | 00D802/759 |
| Book / Page | D802 / 759 |
| Map Reference | MB 24 PG 310 |
| Instrument Date | Mar 23, 2021 |
| Instrument | 2014032403 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSING |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 82552 D ST, 82552, HERMISTON, OR 97838-9794 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 527 CADY DR, RICHMOND, KY 40475-8294 |
| Document Number | 2014032404 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2014032404 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 527 CADY DR, RICHMOND, KY 40475-8294 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01972/448 |
|---|---|
| Date | Aug 27, 2020 |
| Book Page | M01972/448 |
| Instrument | 2014018973 |
| Name | 3MANAGEMENT SERVICES INCORPORATED |
|---|---|
| Type | Non-Lending Institution |
| Address | HERMISTON, OR 97838 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 158 Months |
| Due | Oct 5, 2033 |
The 2025 property tax bill for 527 Cady Dr was $951 with a homeowner's exemption.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $951.00 Homeowner's exemption | $150,000 | $150,000 |
| 2023 | $889.00 (-33.76%) Homeowner's exemption | $138,000 (-) | $138,000 (-) |
| 2022 | $1,342.00 | $138,000 | $138,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 527 Cady 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 risk around 527 Cady Dr is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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