Lexington-Fayette Urban County property record for 638 Cardinal Ln, Lexington, KY 40503
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1957 |
| Lot Size | 0.261 acres (11,387 sqft) |
| Owner | Individual Name on File |
| Last Sale | $257,000 (Apr 2024) |
| Tax Bill | $3,215 (2026) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage |
| APN | 23316900 |
| Primary APN | 23316900 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Brick |
| Lot Area | 11,387 sqft (0.261 acres) |
| Lot Width | 60 ft Width |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 638 CARDINAL LN |
|---|---|
| City | LEXINGTON |
| State | KY |
| Zip | 40503-1758 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1C |
| Legal Description | C-090 BEL MONTE LOT 70; BOOK: 3374 PAGE: 223 |
| Legal Subdivision | BEL MONTE |
| Legal Lot Number | 70 |
| Jurisdiction | FAYETTE KY |
| Township / Civil Division | LEXINGTON-FAYETTE CENTRAL |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 2900 |
638 Cardinal Ln is owned and occupied by an individual who bought it in April 2024.
Source: Lexington-Fayette Urban County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 638 CARDINAL LN, LEXINGTON, KY 40503-1758 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2024 · Amount on File |
| Deed Sale | Apr 23, 2024 · Amount on File |
| Deed Document Number | 20247 |
| Deed Book / Page | 4068 / 591 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE KY |
| Recording Date | Apr 23, 2024 |
| Property Address | 638 CARDINAL LN, LEXINGTON, KY 40503-1758 |
| Document Number | DB4068/591 |
| Book / Page | DB 4068 / 591 |
| Map Reference | CAB C SL 90 |
| Instrument Date | Apr 22, 2024 |
| Instrument | 202404230007 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2024 |
| 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 | $257.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4100 FORSYTHE DR, LEXINGTON, KY 40514-4006 |
| Name | Verified Name |
|---|---|
| Address | 638 CARDINAL LN, LEXINGTON, KY 40503-1758 |
| Document Number | 202404230008 |
|---|---|
| Date | Apr 23, 2024 |
| Instrument | 202404230008 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
The 2026 property tax bill for 638 Cardinal Ln was $3,215, 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 | $3,215.00 (+1.93%) | $257,000 (-) | $257,000 (-) |
| 2025 | $3,154.00 | $257,000 | $257,000 |
| 2023 | $1,838.00 | $149,800 | $149,800 |
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 638 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 638 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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