Madison County property record for 539 Cady Dr, Richmond, KY 40475
| Property Type | Condominium |
|---|---|
| Details | 891 sqft |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Jul 2025) |
| Tax Bill | $857 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage Jul 2025 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0070-011C-0020 |
| Primary APN | 0070-011C-0020 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 891 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 75044 |
|---|---|
| Street Address | 539 CADY DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8294 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | ARCADIAN COTTAGES CONDO UNIT 20 |
| Legal Subdivision | ARCADIAN COVE |
| Legal Unit | 20 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 10902 |
539 Cady Dr, a condominium, is owned and occupied by an individual who bought it in July 2025.
Source: Madison County records, as of January 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 539 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 |
|---|---|
| Sep 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF KENTUCKY FCU |
| Jul 2, 2025 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Apr 18, 2025 | Deed, Transfer |
| Mar 8, 2022 | Deed, Transfer · Conventional Mortgage WESBANCO BANK INC |
| Oct 31, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2025 · Amount on File |
| Deed Sale | Jul 2, 2025 · Amount on File |
| Prior Sale | Apr 18, 2025 · Amount on File |
| Deed Document Number | 2014270598 |
| Deed Book / Page | D869 / 628 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01824/415 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | M01824/415 |
| Instrument | 2013982013 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2028 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 2, 2025 |
| Property Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
| Document Number | 00D869/628 |
| Book / Page | D869 / 628 |
| Map Reference | MB 303 PG 347 |
| Instrument Date | Jul 1, 2025 |
| Instrument | 2014270598 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 501 CADY DR, RICHMOND, KY 40475-8294 |
| Name | Verified Name |
|---|---|
| Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 18, 2025 |
| Property Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
| Document Number | 00D866/360 |
| Book / Page | D866 / 360 |
| Map Reference | CAB 28 SL 67 |
| Instrument Date | Apr 17, 2025 |
| Instrument | 2014255895 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $212.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 501 CADY DR, RICHMOND, KY 40475-8294 |
| Name | Verified Name |
|---|---|
| Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 8, 2022 |
| Property Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
| Document Number | 00D819/568 |
| Book / Page | D819 / 568 |
| Map Reference | CAB 26 SL 6 |
| Instrument Date | Mar 3, 2022 |
| Instrument | 2014080360 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2121 RICHIOSVILLE RD #712712, 712712, SOMERSET, KY 42503 |
| Name | Verified Name |
|---|---|
| Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
| Document Number | 2014080363 |
|---|---|
| Date | Mar 8, 2022 |
| Instrument | 2014080363 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 31, 2017 |
| Property Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
| Document Number | D00752/196 |
| Book / Page | D00752 / 196 |
| Map Reference | CAB26 SL6 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 2013967131 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $94.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1524 CHEROKEE RD, LOUISVILLE, KY 40205-1153 |
| Name | Verified Name |
|---|---|
| Address | 539 CADY DR, RICHMOND, KY 40475-8294 |
The 2025 property tax bill for 539 Cady Dr was $857 with a homeowner's exemption.
Source: Madison County assessment roll, as of April 1, 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 | $857.00 Homeowner's exemption | $140,000 | $140,000 |
| 2023 | $714.00 (+37.31%) Homeowner's exemption | $120,000 (+27.66%) | $120,000 (+27.66%) |
| 2022 | $520.00 Homeowner's exemption | $94,000 | $94,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 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 539 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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