Madison County property record for 118 Short St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,144 sqft |
| Lot Size | 0.237 acres (10,337 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Mar 2023) |
| Tax Bill | $1,886 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jun 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R009-0031-0011 |
| Primary APN | R009-0031-0011 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,144 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 10,337 sqft (0.237 acres) |
| Account Number | 62924 |
|---|---|
| Street Address | 118 SHORT ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RICHMOND INVESTMENT LOT 6 BLK 11 |
| Legal Subdivision | RICH INVST |
| Legal Block | 11 |
| Legal Lot Number | 6 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 10303 |
118 Short St is owned and occupied by two individuals who bought it in March 2023.
Source: Madison County records, as of July 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 SHORT ST, RICHMOND, KY 40475-1906 |
| 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.
| Date | Document |
|---|---|
| Mar 16, 2023 | Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Jun 9, 2020 | Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 26, 2020 | Deed, Transfer |
| Dec 10, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2023 · Amount on File |
| Deed Sale | Mar 16, 2023 · Amount on File |
| Prior Sale | Jun 9, 2020 · Amount on File |
| Deed Document Number | 202314136457 |
| Deed Book / Page | 835 / 704 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 16, 2023 |
| Property Address | 118 SHORT ST, RICHMOND, KY 40475-1906 |
| Document Number | 00D835/704 |
| Book / Page | D835 / 704 |
| Map Reference | MB 42 PG 474 |
| Instrument Date | Mar 7, 2023 |
| Instrument | 2014136457 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3247 OLD KY HWY, RICHMOND, KY 40475 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 118 SHORT ST, RICHMOND, KY 40475-1906 |
| Document Number | 2014136459 |
|---|---|
| Date | Mar 16, 2023 |
| Instrument | 2014136459 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 9, 2020 |
| Property Address | 118 SHORT ST, RICHMOND, KY 40475-1906 |
| Document Number | D00788/773 |
| Book / Page | D00788 / 773 |
| Instrument Date | May 29, 2020 |
| Instrument | 2014013595 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $121.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 958 SIETZ DR, RICHMOND, KY 40475 |
| Name | Verified Name |
|---|---|
| Address | 118 SHORT ST, RICHMOND, KY 40475-1906 |
| Document Number | 2014013596 |
|---|---|
| Date | Jun 9, 2020 |
| Instrument | 2014013596 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 26, 2020 |
| Property Address | 118 SHORT ST, RICHMOND, KY 40475-1906 |
| Document Number | D00788/277 |
| Book / Page | D00788 / 277 |
| Map Reference | MB 42 PG 474 |
| Instrument Date | May 22, 2020 |
| Instrument | 2014012637 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 958 SIESTA DR, RICHMOND, KY 40475-3406 |
| Name | Verified Name |
|---|---|
| Address | 958 SIESTA DR, RICHMOND, KY 40475-3406 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 10, 2019 |
| Property Address | 118 SHORT ST, RICHMOND, KY 40475-1906 |
| Document Number | D00782/169 |
| Book / Page | D00782 / 169 |
| Map Reference | MB 42 PG 474 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 2014003730 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $17.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 310 ROSEDALE AVE, RICHMOND, KY 40475-1041 |
| Name | Verified Name |
|---|---|
| Address | 958 SIESTA DR, RICHMOND, KY 40475-3406 |
The 2025 property tax bill for 118 Short St was $1,886.
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 | $1,886.00 | $200,000 | $200,000 |
| 2023 | $1,173.00 (-0.34%) | $121,000 (-) | $121,000 (-) |
| 2022 | $1,177.00 | $121,000 | $121,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Short St 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 | 3 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 risk around 118 Short St 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 94% of the US · lower than 95% 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 382 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 in parts of the area | 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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