$445,000
SOLD APR 25, 2025

10177 Cardigan Dr Union, KY 41091

4 Beds
3.5 Baths
2,439 Sq Ft
9,093 Sq Ft Lot

Recently Sold

$182 Per Sq Ft

3% Below List Price

17 Days on Market

Highlights

  • Home Theater
  • Spa
  • Loft
  • Shirley Mann Elementary School Rated A
  • Traditional Architecture
  • Granite Countertops

About This Home

As of April 2025

Welcome home to this meticulously maintained gracious retreat! This property features 4 bedrooms at 3 FULL and 1 half bathrooms. This property boasts a chef's kitchen appointed with granite counter tops, island, stainless steel appliances and a gas cook top and an eat in area which opens up to the great room and is perfect for entertaining. The 1st floor also offers a formal dining room and home office with French doors. The second floor offers a spacious master with ensuite bath. The additional 3 bedrooms, loft and laundry are also on the second level. The finished basement is a perfect bonus for additional entertaining with a full wet bar! The rear patio offers a sheltered hot tub for your enjoyment. Mann/Gray/Ryle schools. This is a must see with immediate occupancy!

Last Agent to Sell the Property

Ryan Clendenin

Huff Realty - Florence License #230055 Listed on: 03/09/2025

Huff Realty - Florence

Last Buyer's Agent

Laura Meiners

KW Seven Hills Realty License #217750

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,931

Year Built

  • Built in 2016

Lot Details

  • 9,093 Sq Ft Lot
  • Lot Dimensions are 62x133x74x134
  • Cul-De-Sac
  • Wood Fence

HOA Fees

  • $16 Monthly HOA Fees

Parking

  • 2 Car Garage
  • Front Facing Garage
  • Garage Door Opener
  • Driveway
  • Off-Street Parking

Home Design

  • Traditional Architecture
  • Brick Exterior Construction
  • Poured Concrete
  • Shingle Roof
  • Vinyl Siding

Interior Spaces

  • 2,439 Sq Ft Home
  • 2-Story Property
  • Wet Bar
  • Built-In Features
  • Ceiling Fan
  • Recessed Lighting
  • Chandelier
  • Fireplace
  • Vinyl Clad Windows
  • Window Treatments
  • French Doors
  • Panel Doors
  • Entrance Foyer
  • Family Room
  • Living Room
  • Breakfast Room
  • Formal Dining Room
  • Home Theater
  • Home Office
  • Loft

Kitchen

  • Eat-In Country Kitchen
  • Gas Range
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Kitchen Island
  • Granite Countertops
  • Disposal

Flooring

  • Carpet
  • Vinyl Plank

Bedrooms and Bathrooms

  • 4 Bedrooms
  • En-Suite Bathroom
  • Walk-In Closet
  • Double Vanity

Laundry

  • Laundry Room
  • Laundry on upper level
  • 220 Volts In Laundry
  • Washer and Electric Dryer Hookup

Finished Basement

  • Sump Pump
  • Finished Basement Bathroom

Home Security

  • Home Security System
  • Smart Home
  • Smart Thermostat
  • Fire and Smoke Detector

Outdoor Features

  • Spa
  • Covered Patio or Porch

Schools

  • Shirley Mann Elementary School
  • Gray Middle School
  • Ryle High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas
  • Cable TV Available

Community Details

  • Association fees include association fees
  • Vertex Association, Phone Number (859) 491-5711

Listing and Financial Details

  • Assessor Parcel Number 063.00-28-018.00

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,931

Year Built

Built in 2016

Lot Details

0

HOA Fees

$16 per month

Parking

2

Listing Details

  • Cooling: Central Air
  • Property Condition: Existing Structure
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 0.21
  • Year Built: 2016
  • Lot Size: 62x133x74x134
  • Road Surface Type: Paved
  • Ownership: Consumer
  • Directions: I-75 to East Richwood Rd Left Dixie Hwy L Frogtown Right Cardigan Dr and follow road to the end
  • Architectural Style: Traditional
  • Garage Yn: Yes
  • New Construction: No
  • Property Attached Yn: No
  • Structure Type: House
  • ResoPropertyType: Residential
  • Location Tax Legal Info:Property Attached YN: No
  • Location Tax Legal Info:New Construction: No
  • Location Tax Legal Info:Elementary School: Shirley Mann School
  • Location Tax Legal Info:Middle or Junior School: Gray Middle School
  • Location Tax Legal Info:High School: Ryle High
  • Location Tax Legal Info:Subdivision2: Greens/brigadoon
  • Contract Info:Auction YN: No
  • General Property Description:Half Baths: 1
  • General Property Description:Basement YN2: Yes
  • General Property Description:Fireplace YN: No
  • General Property Description:Lot Size Dimensions: 62x133x74x134
  • General Property Description:Approx SqFt2: 2439.0
  • Appliances Microwave: Yes
  • Cooling:Central Air: Yes
  • Foundation:Poured Concrete: Yes
  • Roof:Shingle: Yes
  • Sewer:Public Sewer: Yes
  • Utilities:Cable Available: Yes
  • Utilities:Natural Gas Available: Yes
  • Water Source:Public: Yes
  • Room Details:Family Room YN: Yes
  • Room Details:Formal Dining Rm YN: Yes
  • General Property Description:Lot Size Acres: 0.2087
  • General Property Description:Living Area: 2439.0
  • General Property Description:Lot Size Square Feet: 9093.0
  • Structure Type:House: Yes
  • Laundry Features:Laundry Room2: Yes
  • Security Features:Smoke Detector(s): Yes
  • Architecture:Traditional: Yes
  • Laundry Features:Upper Level: Yes
  • Levels:Two: Yes
  • Location Tax Legal Info:Tax ID: 063.00-28-018.00
  • Appliances Refrigerators: Yes
  • Laundry Features:Electric Dryer Hookup: Yes
  • Laundry Features:Washer Hookup: Yes
  • Fencing:Wood3: Yes
  • Utilities:Sewer Available: Yes
  • Utilities:Water Available: Yes
  • Other Equipment:Sump Pump: Yes
  • Percent Basement Finished: Yes
  • Security Features:Security System: Yes
  • Fencing Fenced: Yes
  • Electric 220 Volts in Laundry: Yes
  • Special Features: None

Interior Features

  • Interior Amenities: Wet Bar, Walk-In Closet(s), Smart Thermostat, Smart Home, Pantry, Granite Counters, Entrance Foyer, Eat-in Kitchen, Double Vanity, Chandelier, Ceiling Fan(s), Multi Panel Doors, Recessed Lighting, Built-in Features
  • Basement: Full Finished Bath, Finished
  • Heating: Natural Gas, Forced Air
  • Levels: Two
  • Property Type: Residential
  • Appliances: Stainless Steel Appliance(s), Gas Range, Dishwasher, Disposal, Microwave, Refrigerator
  • Other Equipment: Sump Pump
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Fireplace: No
  • Living Area: 2439.0
  • Window Features: Vinyl Clad Window(s)
  • Appliances Dishwasher: Yes
  • Appliances:Stainless Steel Appliance(s): Yes
  • Interior Features:Ceiling Fan(s): Yes
  • Interior Features:Double Vanity2: Yes
  • Interior Features:Entrance Foyer2: Yes
  • Interior Features:Granite Counters: Yes
  • Interior Features:Multi Panel Doors: Yes
  • Interior Features:Pantry2: Yes
  • Interior Features:Smart Home: Yes
  • Interior Features:Smart Thermostat: Yes
  • Interior Features:Walk-In Closet(s)2: Yes
  • Interior Features:Wet Bar4: Yes
  • Appliances:Gas Range: Yes
  • Interior Features:Eat-in Kitchen2: Yes
  • Basement:Full Finished Bath: Yes
  • Basement:Carpet Flooring7: Yes
  • Interior Features:Chandelier2: Yes
  • Interior Features:Recessed Lighting: Yes
  • Basement:Wet Bar5: Yes
  • Basement:Built-in Features3: Yes

Exterior Features

  • Fencing: Fenced, Wood
  • Roof: Shingle
  • Lot Features: Cul-De-Sac
  • Construction Type: Brick, Vinyl Siding
  • Exterior Features: Hot Tub, Other
  • Foundation Details: Poured Concrete
  • Patio And Porch Features: Covered, Patio, Porch
  • Construction Materials:Brick2: Yes
  • Construction Materials:Vinyl Siding: Yes
  • Patio and Porch Features:Covered: Yes
  • Patio and Porch Features:Patio: Yes
  • Patio and Porch Features:Porch: Yes
  • Window Features:Vinyl Clad Window(s): Yes
  • Lot Features:Cul-De-Sac: Yes
  • Exterior Features:Hot Tub: Yes
  • Exterior Features:See Remarks23: Yes

Garage/Parking

  • Attached Garage: No
  • Parking Features: Driveway, Garage Door Opener, Garage Faces Front, Off Street
  • General Property Description:Garage Spaces: 2.0
  • Parking Features:Driveway: Yes
  • Parking Features:Garage Door Opener: Yes
  • Parking Features:Garage Faces Front: Yes
  • Parking Features:Off Street2: Yes

Utilities

  • Sewer: Public Sewer
  • Water Source: Public
  • Laundry Features: Electric Dryer Hookup, Laundry Room, Upper Level, Washer Hookup
  • Security: Closed Circuit Camera(s), Security System, Smoke Detector(s)
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Electric: 220 Volts in Laundry
  • Utilities: Cable Available, Natural Gas Available, Sewer Available, Water Available
  • Heating:Natural Gas2: Yes
  • Heating:Forced Air: Yes

Condo/Co-op/Association

  • Association Fee: 195.0
  • Association Fee Frequency: Annually
  • Association: Yes
  • ResoAssociationFeeFrequency: Annually

Association/Amenities

  • Association Information:Association YN: Yes
  • Association Information:Association Management Name 1: Vertex
  • Association Information:Association Management Phone 1: 859-491-5711
  • Association Information:Total Yearly Fees: 195.0
  • Association Fee Includes:Association Fees: Yes
  • Association Information:Association Fee: 195.0
  • Association Information:Association Fee Frequency: Annually

Fee Information

  • Association Fee Includes: Association Fees

Schools

  • Elementary School: Shirley Mann School
  • Junior High Dist: Boone Co Public
  • High School: Ryle High
  • Middle Or Junior School: Gray Middle School

Lot Info

  • Lot Size Sq Ft: 9093.0
  • Zoning Description: Residential
  • ResoLotSizeUnits: Acres

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 9, 2025
Closed on
Apr 25, 2025
Sold by
Gillum Gregory David
Bought by
Acres Matthew
Seller's Agent
Ryan Clendenin
Huff Realty - Florence
Buyer's Agent
Laura Meiners
KW Seven Hills Realty
List Price
$459,900
Sold Price
$445,000
Premium/Discount to List
-$14,900
-3.24%
Views
215
Current Estimated Value
$446,958

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$1,958
Avg. Annual Appreciation
1.16%
Original Mortgage
$356,000
Outstanding Balance
$354,739
Interest Rate
6.65%
Mortgage Type
New Conventional
Estimated Equity
$92,219

Purchase Details

Closed on
Feb 24, 2024
Sold by
Gillum Gregory D and Gillum Sarah Catherine
Bought by
Gillum Gregory David and Gillum Sarah Catherine

Purchase Details

Closed on
Feb 21, 2018
Sold by
Fischer Single Family Homes Iii Ltd
Bought by
Gillum Gregory D and Gillum Sarah Catherine

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$39,000
Interest Rate
4.15%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
May 9, 2017
Sold by
Grand Communities
Bought by
Fischer Single Family Homes Iii
Source: Public Records

Range of Values:

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Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $445,000 Springdale Title
Warranty Deed $445,000 Springdale Title
Quit Claim Deed -- None Listed On Document
Quit Claim Deed -- None Listed On Document
Deed $260,000 Homestead Title Agency Ltd
Warranty Deed $46,951 None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $356,000 New Conventional
Closed $356,000 New Conventional
Previous Owner $279,532 New Conventional
Previous Owner $67,500 Stand Alone Second
Previous Owner $39,000 Credit Line Revolving
Previous Owner $208,000 New Conventional
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
04/25/2025 04/25/25 Sold $445,000 -1.1% $182 / Sq Ft
03/26/2025 03/26/25 Pending -- -- --
03/24/2025 03/24/25 Price Changed $450,000 -2.2% $185 / Sq Ft
03/16/2025 03/16/25 For Sale $459,900 0.0% $189 / Sq Ft
03/13/2025 03/13/25 Pending -- -- --
03/09/2025 03/09/25 For Sale $459,900 -- $189 / Sq Ft
Source: Northern Kentucky Multiple Listing Service

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $2,931 $260,000 $47,000 $213,000
2023 $2,959 $260,000 $47,000 $213,000
2022 $2,919 $260,000 $47,000 $213,000
2021 $3,000 $260,000 $47,000 $213,000
2020 $2,976 $260,000 $47,000 $213,000
2019 $3,012 $260,000 $47,000 $213,000
2018 $3,042 $260,000 $47,000 $213,000
2017 $456 $40,000 $40,000 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Northern Kentucky Multiple Listing Service

MLS Number: 630499

Northern Kentucky Multiple Listing Service

APN: 063.00-28-018.00