Madison County property record for 121 Keystone Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,733 sqft |
| Owner | Individual Name on Record |
| Last Sale | $267,650 (Jun 2024) |
| Tax Bill | $2,523 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054C-0002-0018 |
| Primary APN | 054C-0002-0018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,733 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Garage Type | Attached |
| Garage Area | 478 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 58432 |
|---|---|
| Street Address | 121 KEYSTONE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH BLUEGRASS CENTER LOT 52 PH 4 |
| Legal Subdivision | SOUTH BLUEGRASS CENTER |
| Legal Phase | 4 |
| Legal Lot Number | 52 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 10701 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 121 KEYSTONE DR, RICHMOND, KY 40475-8517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 2, 2020 | Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2024 · Amount on Record |
| Deed Sale | Jun 24, 2024 · Amount on Record |
| Prior Sale | Nov 2, 2020 · Amount on Record |
| Deed Document Number | 2014209568 |
| Deed Book / Page | D854 / 96 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 121 KEYSTONE DR, RICHMOND, KY 40475-8517 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 121 KEYSTONE DR, RICHMOND, KY 40475-8517 |
| Document Number | 0M2408/486 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | M2408/486 |
| Instrument | 2014284324 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 121 KEYSTONE DR, RICHMOND, KY 40475-8517 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 121 KEYSTONE DR, RICHMOND, KY 40475-8517 |
| Document Number | 0M2271/572 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | M2271/572 |
| Instrument | 2014179293 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 2, 2020 |
| Property Address | 121 KEYSTONE DR, RICHMOND, KY 40475-8517 |
| Document Number | D00796/377 |
| Book / Page | D00796 / 377 |
| Map Reference | CAB 9 SL 348 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 2014023280 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1358, RICHMOND, KY 40476-1358 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 121 KEYSTONE DR, RICHMOND, KY 40475-8517 |
| Document Number | 2014023281 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 2014023281 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2050 |
Source: Madison County assessment roll, as of April 1, 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 | $2,523.00 (+41.03%) Additional exemption filed | $267,650 (+45.07%) | $267,650 (+45.07%) |
| 2023 | $1,789.00 (-0.33%) | $184,500 (-) | $184,500 (-) |
| 2022 | $1,795.00 | $184,500 | $184,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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