2005 Emerald Way, Richmond, KY 40475 Property Records

Madison County property record for 2005 Emerald Way, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,341 sqft · built 2014
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Oct 2022)
Tax Bill	$3,960 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0092-001A-0056`

Property Details

APN / Parcel Number

Primary APN	`0092-001A-0056`
Alternative APNs	`125506` `77337` `55093`

Interior

Stories	1 Story
Building Area	2,341 sqft Living Area

Exterior

Year Built	Built 2014
Exterior Material	Brick Veneer
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	55093
Street Address	2005 EMERALD WAY
City	RICHMOND
State	KY
Zip	40475-2758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND BROOK LOT 56 PH 2
Legal Subdivision	DIAMOND BROOK
Legal Phase	2
Legal Lot Number	56
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	1
Census Block	1011
Census Tract	10101

Owner

2005 Emerald Way is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2005 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
Oct 12, 2022	Deed, Transfer · Conventional Mortgage LOWER LLC
Jan 23, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on File
Deed Sale	Oct 12, 2022 · Amount on File
Deed Document Number	2014115416
Deed Book / Page	D830 / 230
Record Updated	Jun 8, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 12, 2022
Property Address	2005 EMERALD WAY, RICHMOND, KY 40475-2758
Document Number	00D830/230
Book / Page	D830 / 230
Map Reference	CAB 21 SL 298
Instrument Date	Oct 10, 2022
Instrument	2014115416
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	760 BENSON DR, 760, RICHMOND, KY 40475-5633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 PRIMROSE CIR, RICHMOND, KY 40475-6833

Mortgage

Document Number	2014115419
Date	Oct 12, 2022
Instrument	2014115419

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2005 EMERALD WAY, RICHMOND, KY 40475-2758
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01913/310
Date	Jan 23, 2020
Book Page	M01913/310
Instrument	2014005870

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 2005 Emerald Way was $3,960 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	$3,960.00 Additional exemption filed	$420,000	$420,000
2023	$4,074.00	$420,000	$420,000

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

Flood

FEMA maps place 2005 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 2005 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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