1045 Merrick Dr, Richmond, KY 40475 Property Records

Madison County property record for 1045 Merrick Dr, Richmond, KY 40475

Property Summary

Property Type	Duplex
Details	2,676 sqft
Lot Size	0.171 acres (7,486 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Sep 2026)
Tax Bill	$1,555 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2026 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`0068-008D-0012`

Property Details

APN / Parcel Number

Primary APN	`0068-008D-0012`
Alternative APNs	`102045` `139304` `69389`

Interior

Stories	2 Stories
Building Area	2,676 sqft Living Area

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Lot Area	7,486 sqft (0.171 acres)

Location & Zoning

Account Number	69389
Street Address	1045 MERRICK DR
City	RICHMOND
State	KY
Zip	40475-8132
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MERRICK PLACE LOT 12
Legal Subdivision	MERRICK PLACE
Legal Lot Number	12
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	3
Census Block	3009
Census Tract	10301

Owner

1045 Merrick Dr, a duplex, is owned by an individual who bought it in September 2026.

Source: Madison County records, as of October 14, 2026

Owner of Record	Individual Name on File
Mailing Address	4662 TODDS RD, LEXINGTON, KY 40509-9438
Owner Type	Individual
Vesting	Married Woman, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed, Transfer · Conventional Mortgage LOAN STORE
Jun 17, 2026	Deed, Transfer · Construction Mortgage EVERGREEN CAPITAL FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2026 · Amount on File
Deed Sale	Sep 25, 2026 · Amount on File
Prior Sale	Jun 17, 2026 · Amount on File
Deed Document Number	202614378547
Deed Book / Page	888 / 595
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 25, 2026
Property Address	1045 MERRICK DR, RICHMOND, KY 40475-8132
Document Number	0014378547
Book / Page	888 / 595
Instrument Date	Sep 24, 2026
Instrument	202614378547
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,775.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4662 TODDS RD, LEXINGTON, KY 40509-9438

Mortgage

Document Number	0014378547,
Date	Sep 25, 2026
Book Page	2503/446
Instrument	202614378547

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 17, 2026
Property Address	1045 MERRICK DR, RICHMOND, KY 40475-8132
Document Number	0014356340
Book / Page	884 / 238
Instrument Date	Jun 15, 2026
Instrument	202614356340
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,482.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

Mortgage

Document Number	0014356342,
Date	Jun 17, 2026
Instrument	202614356342

Lender

Name	EVERGREEN CAPITAL FUNDING

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Dec 15, 2026

Interest

Rate	6.37%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1045 Merrick Dr was $1,555.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,555.00	$165,000	$165,000
2023	$1,455.00 (-0.27%)	$150,000 (-)	$150,000 (-)
2022	$1,459.00	$150,000	$150,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1045 Merrick Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 1045 Merrick Dr is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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