1320 Moberly Rd, Richmond, KY 40475 Property Records

Madison County property record for 1320 Moberly Rd, Richmond, KY 40475

Property Summary

Property Type	Other
Lot Size	3.22 acres (140,655 sqft)
Owner	Individual Name on File
Tax Bill	$3,715 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0094-0000-0001-D3`

Property Details

APN / Parcel Number

Primary APN	`0094-0000-0001-D3`
Alternative APNs	`106367` `143693` `73878`

Exterior

Lot Area	140,655 sqft (3.22 acres)

Location & Zoning

Account Number	73878
Street Address	1320 MOBERLY RD
City	RICHMOND
State	KY
Zip	40475-8348
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	LOT 3A (3.229 ACRES)
Legal Lot Number	3A
Jurisdiction	MADISON KY
Township / Civil Division	WACO-BYBEE
Census Block Group	1
Census Block	1022
Census Tract	11001

Owner

1320 Moberly Rd is owned and occupied by an individual who acquired it in February 2020.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1320 MOBERLY RD, RICHMOND, KY 40475-8348
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
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
May 28, 2020	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC
Feb 5, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2020
Deed Sale	Feb 5, 2020
Deed Document Number	2014006794
Deed Book / Page	D00784 / 194
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1320 MOBERLY RD, RICHMOND, KY 40475-8348
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M2051/17
Date	May 7, 2021
Book Page	M2051/17
Instrument	2014036074

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1320 MOBERLY RD, RICHMOND, KY 40475-8348
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01943/112
Date	May 28, 2020
Book Page	M01943/112
Instrument	2014012845

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	371 Months
Due	Apr 29, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 29, 2028
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 5, 2020
Property Address	1320 MOBERLY RD, RICHMOND, KY 40475-8348
Document Number	D00784/194
Book / Page	D00784 / 194
Map Reference	MB 28 PG 234
Instrument Date	Jan 17, 2020
Instrument	2014006794
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1335 MOBERLY RD, RICHMOND, KY 40475-8348

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	929 CHARLIE NORRIS RD, RICHMOND, KY 40475-9232

Tax Assessment & Valuation

The 2025 property tax bill for 1320 Moberly Rd was $3,715 with an additional exemption.

Source: Madison County assessment roll, as of April 1, 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	$3,715.00 Additional exemption filed	$394,000	$394,000
2023	$3,821.00	$394,000	$394,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1320 Moberly Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 1320 Moberly 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 80% of the US · lower than 63% 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.

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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