Madison County property record for 165 Franklin Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Jul 2013) |
| Tax Bill | $2,065 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0071-0034-0030 |
| Primary APN | 0071-0034-0030 |
|---|---|
| Alternative APNs |
|
| Account Number | 42171 |
|---|---|
| Street Address | 165 FRANKLIN DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9690 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VALLEY GREEN LOT 30 |
| Legal Subdivision | VALLEY GREEN |
| Legal Block | B |
| Legal Lot Number | 30 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 10901 |
165 Franklin Dr is owned and occupied by two individuals who bought it in July 2013.
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 165 FRANKLIN DR, RICHMOND, KY 40475-9690 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2018 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Jul 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2013 · Amount on File |
| Deed Sale | Jul 26, 2013 · Amount on File |
| Deed Document Number | 0000693751 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 165 FRANKLIN DR, RICHMOND, KY 40475-9690 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | M01802/740 |
|---|---|
| Date | May 11, 2018 |
| Book Page | M01802/740 |
| Instrument | 2013975635 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 165 FRANKLIN DR, RICHMOND, KY 40475-9690 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | M01958/421 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | M01958/421 |
| Instrument | 2014015890 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 165 Franklin Dr was $2,065 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,065.00 Additional exemption filed | $219,000 | $219,000 |
| 2023 | $1,787.00 | $184,300 | $184,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 Franklin Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.
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 | 3 in force |
| Nearby Flood Claims | 3 (2010–2026) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 165 Franklin Dr 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 | 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 73 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 · 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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