Madison County property record for 112 E Main St, Richmond, KY 40475
| Property Type | Recreational/Entertainment (General) |
|---|---|
| Lot Size | 0.084 acres (3,676 sqft) |
| Owner | Company Name on Record |
| Last Sale | $900,000 (Aug 2026) |
| Tax Bill | $2,829 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Sep 2026 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R008-0015-0002 |
| Primary APN | R008-0015-0002 |
|---|---|
| Alternative APNs |
|
| Stories | 3 Stories |
|---|
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 3,676 sqft (0.084 acres) |
| Account Number | 60006 |
|---|---|
| Street Address | 112 E MAIN ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1763 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Recreational/Entertainment (General) |
| Legal Description | LOT G-1 |
| Legal Subdivision | ELKS REALTY CO |
| Legal Lot Number | G-1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10400 |
Source: Madison County records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 608 APRICOT DR, RICHMOND, KY 40475-8684 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Oct 13, 2026 | Deed of Trust, Mortgage · Line of Credit BANK |
| Sep 8, 2026 | Deed of Trust, Mortgage · Line of Credit BANK |
| Aug 17, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 30, 2026 | Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Apr 24, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK |
| Feb 28, 2019 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2026 · Amount on Record |
| Deed Sale | Aug 17, 2026 · Amount on Record |
| Prior Sale | Apr 30, 2026 · Amount on Record |
| Deed Document Number | 202614369186 |
| Deed Book / Page | 887 / 170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 13, 2026 |
| Property Address | 112 E MAIN ST, RICHMOND, KY 40475-1763 |
| Document Number | 0014382761 |
| Book / Page | 2508 / 105 |
| Instrument Date | Oct 9, 2026 |
| Instrument | 202614382761 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 230 N 2ND ST, RICHMOND, KY 40475-1408 |
| Document Number | 0014382761, |
|---|---|
| Date | Oct 13, 2026 |
| Book Page | 2508/105 |
| Instrument | 202614382761 |
| Name | BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Oct 9, 2029 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 8, 2026 |
| Property Address | 112 E MAIN ST, RICHMOND, KY 40475-1763 |
| Document Number | 0014374377 |
| Book / Page | 2499 / 199 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 202614374377 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 230 N 2ND ST, RICHMOND, KY 40475-1408 |
| Document Number | 0014374377, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 2499/199 |
| Instrument | 202614374377 |
| Name | BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 8, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 17, 2026 |
| Property Address | 112 E MAIN ST, RICHMOND, KY 40475-1763 |
| Document Number | 0014369186 |
| Book / Page | 887 / 170 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 202614369186 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $90,900.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 608 APRICOT DR, RICHMOND, KY 40475-8684 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 30, 2026 |
| Property Address | 112 E MAIN ST, RICHMOND, KY 40475-1763 |
| Document Number | 0014343492 |
| Book / Page | 882 / 107 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026.14343492 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $90,900.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 608 APRICOT DR, RICHMOND, KY 40475-8684 |
| Document Number | 0014343495, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 2026.14343495 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 28, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 112 E MAIN ST, RICHMOND, KY 40475-1763 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | M01738/442 |
|---|---|
| Date | Apr 24, 2017 |
| Book Page | M01738/442 |
| Instrument | 2013957626 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40476 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 20, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 112 E MAIN ST, RICHMOND, KY 40475-1763 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | M01849/347 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | M01849/347 |
| Instrument | 2013988953 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40476 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 28, 2039 |
| Rate Type | Adjustable Rate |
|---|
Source: Madison County assessment roll, as of December 9, 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 | $2,829.00 (+6.07%) | $300,000 (+9.09%) | $300,000 (+9.09%) |
| 2023 | $2,667.00 (-0.3%) | $275,000 (-) | $275,000 (-) |
| 2022 | $2,675.00 | $275,000 | $275,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Nearby Flood Claims | 3 (1989–2013) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2013 · rainfall accumulation |
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.
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 | 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 230 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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