1881 Richardson Rd, Nancy, KY 42544 Property Records

Russell County property record for 1881 Richardson Rd, Nancy, KY 42544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,288 sqft · built 1982
Lot Size	5.25 acres (228,690 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,906,680 (Sep 2023)
Tax Bill	$4,896 (2025)
Deeds & Mortgages	Jan 2018 Construction Loan Dec 2019 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`047-00-00-005.03`

Property Details

APN / Parcel Number

Primary APN	`047-00-00-005.03`
Alternative APN	`15234`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Stone
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	228,690 sqft (5.25 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	560 sqft
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	485 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	15234
Street Address	1881 RICHARDSON RD
City	NANCY
State	KY
Zip	42544-4401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHARDSON RD
Legal Subdivision	CLEAR WATER SUBDIVISION NO 2
Jurisdiction	WAYNE KY
Township / Civil Division	ELI
Census Block Group	4
Census Block	4049
Census Tract	960400

Owner

Source: Russell County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2018	Deed of Trust, Mortgage · Construction Mortgage FIRST CENTURY LENDING LLC
Dec 5, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST & FARMERS NATIONAL BANK INC
Aug 7, 2020	Deed, Transfer
May 5, 2020	Deed, Transfer FIRST & FARMERS NATIONAL BANK INC
Aug 14, 2019	Deed, Transfer · Commercial Mortgage FIRST & FARMERS NATIONAL BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on Record
Deed Sale	Sep 19, 2023 · Amount on Record
Prior Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	2023158350
Deed Book / Page	5 / 120
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE KY
Property Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000412/180
Date	Jan 8, 2018
Book Page	412/180

Lender

Name	FIRST CENTURY LENDING LLC
Type	Non-Lending Institution
Address	RICHMOND, KY 40475

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Dec 28, 2018

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE KY
Property Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1881 RICHARDSON RD, NANCY, KY 42544-4401

Mortgage

Document Number	000429/427
Date	Dec 5, 2019
Book Page	429/427
Instrument	143301

Lender

Name	FIRST & FARMERS NATIONAL BANK INC
Type	Bank
Address	SOMERSET, KY 42501

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 25, 2049

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WAYNE KY
Recording Date	Aug 7, 2020
Property Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Document Number	000388/491
Book / Page	388 / 491
Map Reference	MB 1 PG 5
Instrument Date	Jul 3, 2020
Instrument	145691
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$12.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1544 VISTA RIDGE DR, 1544, MIAMISBURG, OH 45342-3259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Investor	Possibly a Property Investor

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WAYNE KY
Recording Date	May 5, 2020
Property Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Document Number	000387/263
Book / Page	387 / 263
Map Reference	CAB B SL 122
Instrument Date	Dec 4, 2019
Instrument	144769
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$56.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	285 ROSE HILL AVE, 285, VERSAILLES, KY 40383-1223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Investor	Possibly a Property Investor

Mortgage

Document Number	0000144770
Date	May 5, 2020
Instrument	144770

Lender

Name	FIRST & FARMERS NATIONAL BANK INC
Type	Bank

Agreement

Amount	Amount Recorded
Term	175 Months
Due	Dec 4, 2034

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WAYNE KY
Recording Date	Aug 14, 2019
Property Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Document Number	000383/481
Book / Page	383 / 481
Instrument Date	Aug 6, 2019
Instrument	141971
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 LINNWOOD DR, 43, NANCY, KY 42544-4434

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1881 RICHARDSON RD, NANCY, KY 42544-4401
Investor	Possibly a Property Investor

Mortgage

Document Number	0000141972
Date	Aug 14, 2019
Instrument	141972

Lender

Name	FIRST & FARMERS NATIONAL BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Aug 8, 2031

Tax Assessment & Valuation

Source: Russell County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Russell County
Unified School District	Russell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$540,000 (-) Land $30,000 Building $510,000	$540,000 (-) Land $30,000 Building $510,000
2025	$4,896.00 (-6.44%)	$540,000 (-)	$540,000 (-)
2023	$5,233.00	$540,000	$540,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 19, 2010

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

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	0.05% 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	WESTERN PULASKI CO WATER DISTRICT serves 23,264 people · EPA ID KY1000363
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2018
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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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