Lexington-Fayette Urban County property record for 628 Cardinal Ln, Lexington, KY 40503
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,160 sqft · built 2019 |
| Lot Size | 0.178 acres (7,775 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $361,500 (Nov 2020) |
| Tax Bill | $4,522 (2026) |
| Deeds & Mortgages | Oct 2023 Mortgage Nov 2020 Mortgage + 2 more |
| APN | 21472750 |
| Primary APN | 21472750 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,160 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 7,775 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 628 CARDINAL LN |
|---|---|
| City | LEXINGTON |
| State | KY |
| Zip | 40503-1702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1C |
| Legal Description | LOT 16; BOOK: 3797 PAGE: 51 |
| Legal Subdivision | CLAYS MILL |
| Legal Block | F |
| Legal Lot Number | 16 |
| Jurisdiction | FAYETTE KY |
| Township / Civil Division | LEXINGTON-FAYETTE CENTRAL |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 2900 |
628 Cardinal Ln is owned and occupied by two individuals who bought it in November 2020.
Source: Lexington-Fayette Urban County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 628 CARDINAL LN, LEXINGTON, KY 40503-1702 |
| 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 |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Nov 16, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage WELLS FARGO BK NA |
| Nov 16, 2020 | Deed, Transfer |
| Apr 12, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2020 · Amount on File |
| Deed Sale | Nov 16, 2020 · Amount on File |
| Prior Sale | Apr 12, 2018 · Amount on File |
| Deed Book / Page | 3797 / 51 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE KY |
| Property Address | 628 CARDINAL LN, LEXINGTON, KY 40503-1702 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | MB10718/344 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | MB 10718/344 |
| Instrument | 202310120020 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE KY |
| Property Address | 628 CARDINAL LN, LEXINGTON, KY 40503-1702 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 009831/132 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 9831/132 |
| Name | WELLS FARGO BK NA |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE KY |
| Recording Date | Nov 16, 2020 |
| Property Address | 628 CARDINAL LN, LEXINGTON, KY 40503-1702 |
| Document Number | 003797/051 |
| Book / Page | 3797 / 051 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE KY |
| Recording Date | Apr 12, 2018 |
| Property Address | 628 CARDINAL LN, LEXINGTON, KY 40503-1702 |
| Document Number | 003573/198 |
| Book / Page | 3573 / 198 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 628 Cardinal Ln was $4,522, up 1.9% from the year before.
Source: Lexington-Fayette Urban County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County / Municipality | Lexington-Fayette Urban County |
| Unified School District | Fayette County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,522.00 (+1.92%) | $361,500 (-) | $361,500 (-) |
| 2025 | $4,437.00 | $361,500 | $361,500 |
| 2023 | $4,437.00 | $361,500 | $361,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 628 Cardinal Ln; there have been 6 flood claims nearby since 1992.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (1992–2010) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes |
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 risk around 628 Cardinal Ln is low, with less than 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 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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