1765 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 1765 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$122,333 (Mar 2015)
Tax Bill	$2,102 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0056-0000-0031-A`

Property Details

APN / Parcel Number

Primary APN	`0056-0000-0031-A`
Alternative APNs	`130691` `93534` `60493`

Exterior

Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Account Number	60493
Street Address	1765 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-8755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW TRACT 4 (1.01 ACRES)
Legal Tract	4
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2039
Census Tract	10902

Owner

1765 Lancaster Rd is owned and occupied by an individual who bought it in March 2015.

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

Owner of Record	Individual Name on File
Mailing Address	1765 LANCASTER RD, RICHMOND, KY 40475-8755
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
Feb 21, 2023	Deed of Trust, Mortgage CITIZENS NATIONAL BANK OF SOMERSET
Dec 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS NATIONAL BANK OF SOMERSET
Dec 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS NATIONAL BANK OF SOMERSET

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2015 · Amount on File
Deed Sale	Mar 3, 2015 · Amount on File
Deed Document Number	0000713515
Prior Transfer Date	Apr 16, 2010
Prior Transfer Doc	442043
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1765 LANCASTER RD, RICHMOND, KY 40475-8755
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 LANCASTER RD, RICHMOND, KY 40475-8755

Mortgage

Document Number	0M2217/787
Date	Feb 21, 2023
Book Page	M2217/787
Instrument	2014132675

Lender

Name	CITIZENS NATIONAL BANK OF SOMERSET
Type	Bank
Address	SOMERSET, KY 42502

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1765 LANCASTER RD, RICHMOND, KY 40475-8755
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 LANCASTER RD, RICHMOND, KY 40475-8755

Mortgage

Document Number	0M2116/667
Date	Dec 9, 2021
Book Page	M2116/667
Instrument	2014067879

Lender

Name	CITIZENS NATIONAL BANK OF SOMERSET
Type	Bank
Address	SOMERSET, KY 42502

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1765 LANCASTER RD, RICHMOND, KY 40475-8755
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 LANCASTER RD, RICHMOND, KY 40475-8755

Mortgage

Document Number	0M2116/672
Date	Dec 9, 2021
Book Page	M2116/672
Instrument	2014067881

Lender

Name	CITIZENS NATIONAL BANK OF SOMERSET
Type	Bank
Address	SOMERSET, KY 42502

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	5 Months
Due	Dec 3, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1765 Lancaster Rd was $2,102 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	$2,102.00 Additional exemption filed	$223,000	$223,000
2023	$1,600.00	$165,000	$165,000

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

Flood

FEMA maps place 1765 Lancaster 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 1765 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 80% of the US · lower than 63% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 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

May also be available: T-Mobile.

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