115 Oreda Dr, Richmond, KY 40475 Property Records

Madison County property record for 115 Oreda Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	2.88 acres (125,667 sqft)
Owner	2 Individual Names on File
Last Sale	$437,500 (Nov 2023)
Tax Bill	$4,125 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0051-0002-0065`

Property Details

APN / Parcel Number

Primary APN	`0051-0002-0065`
Alternative APNs	`136539` `99316` `61690`

Exterior

Lot Area	125,667 sqft (2.88 acres)

Location & Zoning

Account Number	61690
Street Address	115 OREDA DR
City	RICHMOND
State	KY
Zip	40475-7917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHWOOD COUNTRY ESTS LOT 76
Legal Subdivision	ASHWOOD COUNTRY EST
Legal Lot Number	76
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	1
Census Block	1010
Census Tract	10104

Owner

115 Oreda Dr is owned and occupied by two individuals who bought it in November 2023.

Source: Madison County records, as of December 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	115 OREDA DR, RICHMOND, KY 40475-7917
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO
Apr 27, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS COMMERCE BANK
Mar 2, 2017	Correction Deed · Commercial Mortgage CITIZENS COMMERCE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2023 · Amount on File
Deed Sale	Nov 1, 2023 · Amount on File
Deed Document Number	202314174817
Deed Book / Page	845 / 426
Prior Transfer Date	Feb 24, 2017
Prior Transfer Doc	D00741/698
Record Updated	Jun 8, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 1, 2023
Property Address	115 OREDA DR, RICHMOND, KY 40475-7917
Document Number	00D845/426
Book / Page	D845 / 426
Map Reference	MB 8 PG 247
Instrument Date	Oct 30, 2023
Instrument	2014174817
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2480 ARBOR DR WAY, LEXINGTON, KY 40509

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	115 OREDA DR, RICHMOND, KY 40475-7917

Mortgage

Document Number	2014174821
Date	Nov 1, 2023
Instrument	2014174821

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	115 OREDA DR, RICHMOND, KY 40475-7917
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01934/591
Date	Apr 27, 2020
Book Page	M01934/591
Instrument	2014010886

Lender

Name	CITIZENS COMMERCE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 24, 2030

March 2017: Correction Deed

Document Type	Correction Deed
Jurisdiction	MADISON KY
Recording Date	Mar 2, 2017
Property Address	115 OREDA DR, RICHMOND, KY 40475-7917
Document Number	D00741/698
Book / Page	D00741 / 698
Map Reference	MB8 PG247
Instrument Date	Feb 24, 2017
Instrument	2013955105
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2480 ASTARITA WAY, LEXINGTON, KY 40509-4463

Mortgage

Document Number	2013955106
Date	Mar 2, 2017
Instrument	2013955106

Lender

Name	CITIZENS COMMERCE NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	11 Months
Due	Feb 24, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 115 Oreda Dr was $4,125.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,125.00	$437,500	$437,500
2023	$1,988.00 (-0.3%)	$205,000 (-)	$205,000 (-)
2022	$1,994.00	$205,000	$205,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 115 Oreda 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 9 (5% premium discount)
Nearby Flood Policies	2 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 115 Oreda Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Oreda Dr

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