2003 Emerald Way, Richmond, KY 40475 Property Records

Madison County property record for 2003 Emerald Way, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$248,500 (Sep 2017)
Tax Bill	$1,880 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0092-001A-0057`

Property Details

APN / Parcel Number

Primary APN	`0092-001A-0057`
Alternative APNs	`120654` `83660` `50155`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	50155
Street Address	2003 EMERALD WAY
City	RICHMOND
State	KY
Zip	40475-2758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND BROOK LOT 57 PH 2
Legal Subdivision	DIAMOND BROOK
Legal Phase	2
Legal Lot Number	57
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	1
Census Block	1011
Census Tract	10101

Owner

2003 Emerald Way is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2003 EMERALD WAY, RICHMOND, KY 40475-2758
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
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1ST TRUST BANK INC
Sep 26, 2017	Deed, Transfer · Conventional Mortgage 1ST TRUST BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2017 · Amount on File
Deed Sale	Sep 26, 2017 · Amount on File
Deed Document Number	2013965325
Deed Book / Page	D00750 / 555
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2003 EMERALD WAY, RICHMOND, KY 40475-2758
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M01932/87
Date	Apr 14, 2020
Book Page	M01932/87
Instrument	2014010305

Lender

Name	1ST TRUST BANK INC
Type	Bank
Address	HAZARD, KY 41701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 26, 2017
Property Address	2003 EMERALD WAY, RICHMOND, KY 40475-2758
Document Number	D00750/555
Book / Page	D00750 / 555
Map Reference	MB21 PG398
Instrument Date	Sep 22, 2017
Instrument	2013965325
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2003 EMERALD WAY, RICHMOND, KY 40475-2758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 EMERALD WAY, RICHMOND, KY 40475-2758

Mortgage

Document Number	2013965326
Date	Sep 26, 2017
Instrument	2013965326

Lender

Name	1ST TRUST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2003 Emerald Way was $1,880 with a homeowner's 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	$1,880.00 Homeowner's exemption	$248,500	$248,500
2023	$1,960.00 Homeowner's exemption	$248,500	$248,500

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

Flood

FEMA maps place 2003 Emerald Way in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2015.

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
Nearby Flood Claims	3 (2015–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jul 2021 · tidal / storm surge

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

Wildfire risk around 2003 Emerald Way is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% 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	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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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