Madison County property record for 1909 Speedwell Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 2,596 sqft |
| Lot Size | 3.36 acres (146,579 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $264,000 (Aug 2018) |
| Tax Bill | $2,176 (2025) |
| Deeds & Mortgages | May 2022 Second Mortgage Nov 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0109-0000-0014-A |
| Primary APN | 0109-0000-0014-A |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,596 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 146,579 sqft (3.36 acres) |
| Garage Type | Attached |
| Garage Area | 471 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 53645 |
|---|---|
| Street Address | 1909 SPEEDWELL RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2A (3.365 ACRES) |
| Legal Tract | 2 |
| Legal Lot Number | 2A |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 11002 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1909 SPEEDWELL RD, RICHMOND, KY 40475-9529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES FCU |
| Nov 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jan 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNIVERSITY OF KENTUCKY FCU |
| Aug 15, 2018 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2018 · Amount on Record |
| Deed Sale | Aug 15, 2018 · Amount on Record |
| Deed Document Number | 2013980302 |
| Deed Book / Page | D00763 / 337 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1909 SPEEDWELL RD, RICHMOND, KY 40475-9529 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2022 |
| Title Company | HIGH STREET TITLE |
| Name | Verified Name |
|---|
| Document Number | 0M2161/240 |
|---|---|
| Date | May 19, 2022 |
| Book Page | M2161/240 |
| Instrument | 2014092650 |
| Name | UNITED STATES FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1909 SPEEDWELL RD, RICHMOND, KY 40475-9529 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01899/095 |
|---|---|
| Date | Nov 5, 2019 |
| Book Page | M01899/095 |
| Instrument | 2014001884 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1909 SPEEDWELL RD, RICHMOND, KY 40475-9529 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2020 |
| Name | Verified Name |
|---|
| Document Number | M01911/562 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | M01911/562 |
| Instrument | 2014005399 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2040 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 15, 2018 |
| Property Address | 1909 SPEEDWELL RD, RICHMOND, KY 40475-9529 |
| Document Number | D00763/337 |
| Book / Page | D00763 / 337 |
| Map Reference | CAB 23 SL306 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 2013980302 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4481 BAYBEACH LANE263, 4481, BOCA RATON, FL 33431 |
| Name | Verified Name |
|---|---|
| Address | 1909 SPEEDWELL RD, RICHMOND, KY 40475-9529 |
| Document Number | 2013980303 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 2013980303 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
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 | $2,176.00 (-3.93%) Homeowner's exemption | $279,900 (-) | $279,900 (-) |
| 2023 | $2,265.00 Homeowner's exemption | $279,900 | $279,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.08% 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 | 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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