Madison County property record for 1305 Lancaster Rd, Richmond, KY 40475
| Property Type | Commercial Office |
|---|---|
| Details | 2,750 sqft |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $4,548,000 (Aug 2023) |
| Tax Bill | $2,829 (2025) |
| Deeds & Mortgages | Oct 2026 Construction Loan Aug 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0056-0000-0026-B |
| Primary APN | 0056-0000-0026-B |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,750 sqft Total Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Type | Attached |
| Garage Area | 952 sqft |
| Parking Spaces | 4 Parking Spaces |
| Account Number | 73899 |
|---|---|
| Street Address | 1305 LANCASTER RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8745 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Legal Description | 0.88 ACRES |
| Legal Subdivision | LANCASTER |
| Legal Lot Number | B |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 10902 |
1305 Lancaster Rd, a commercial property, is owned by two individuals who bought it in August 2023.
Source: Madison County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1305 LANCASTER RD, RICHMOND, KY 40475-8745 |
| 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 |
|---|---|
| Oct 8, 2026 | Deed of Trust, Mortgage · Construction Mortgage STOCK YARDS BANK |
| Aug 8, 2022 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK |
| Nov 12, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS GUARANTY BANK |
| Dec 20, 2019 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK |
| Sep 22, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2023 · Amount on File |
| Deed Sale | Aug 24, 2023 · Amount on File |
| Deed Document Number | 202314163562 |
| Deed Book / Page | 102 / 782 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 8, 2026 |
| Property Address | 1305 LANCASTER RD, RICHMOND, KY 40475-8745 |
| Document Number | 0014381879 |
| Book / Page | 2507 / 409 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 202614381879 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 268 AVAWAM DR, RICHMOND, KY 40475-9197 |
| Document Number | 0014381879, |
|---|---|
| Date | Oct 8, 2026 |
| Book Page | 2507/409 |
| Instrument | 202614381879 |
| Name | STOCK YARDS BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 30, 2027 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1305 LANCASTER RD, RICHMOND, KY 40475-8745 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 112 SEATTLE SLEW RD, RICHMOND, KY 40475-7623 |
| Document Number | 0M2181/324 |
|---|---|
| Date | Aug 8, 2022 |
| Book Page | M2181/324 |
| Instrument | 2014105579 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40476 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 4, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1305 LANCASTER RD, RICHMOND, KY 40475-8745 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 112 SEATTLE SLEW RD, RICHMOND, KY 40475-7623 |
| Document Number | M2110/1 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | M2110/1 |
| Instrument | 2014063835 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40476 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 15 Months |
| Due | Nov 9, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1305 LANCASTER RD, RICHMOND, KY 40475-8745 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2020 |
| Name | Verified Name |
|---|
| Document Number | M01907/746 |
|---|---|
| Date | Dec 20, 2019 |
| Book Page | M01907/746 |
| Instrument | 2014004272 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40476 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 18, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1305 LANCASTER RD, RICHMOND, KY 40475-8745 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2013965228 |
|---|---|
| Date | Sep 22, 2017 |
| Book Page | M01765/714 |
| Instrument | 2013965228 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40476 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 21, 2032 |
The 2025 property tax bill for 1305 Lancaster Rd was $2,829.
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 | $300,000 | $300,000 |
| 2023 | $2,735.00 (-0.29%) | $282,000 (-) | $282,000 (-) |
| 2022 | $2,743.00 | $282,000 | $282,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1305 Lancaster Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1305 Lancaster Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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