Madison County property record for 204 Rano Ct, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $139,000 (Oct 2022) |
| Tax Bill | $1,593 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Dec 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0080-0000-0018-M |
| Primary APN | 0080-0000-0018-M |
|---|---|
| Alternative APNs |
|
| Account Number | 69375 |
|---|---|
| Street Address | 204 RANO CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BECKAH RIDGE LOT 11 PH 2 |
| Legal Subdivision | BECKAH RIDGE |
| Legal Phase | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 11001 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 204 RANO CT, RICHMOND, KY 40475-9826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Dec 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 28, 2019 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Oct 7, 2022 | Deed, Transfer |
| Jul 21, 2017 | Deed, Transfer PEOPLES BANK & TRUST CO OF MADISON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2022 · Amount on File |
| Deed Sale | Oct 7, 2022 · Amount on File |
| Prior Sale | Jul 21, 2017 · Amount on File |
| Deed Document Number | 2014114911 |
| Deed Book / Page | D830 / 111 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 204 RANO CT, RICHMOND, KY 40475-9826 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M2432/29 |
|---|---|
| Date | Dec 16, 2025 |
| Book Page | M2432/29 |
| Instrument | 2014305824 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Nov 24, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 204 RANO CT, RICHMOND, KY 40475-9826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2205/421 |
|---|---|
| Date | Dec 5, 2022 |
| Book Page | M2205/421 |
| Instrument | 2014122007 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 204 RANO CT, RICHMOND, KY 40475-9826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01849/205 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | M01849/205 |
| Instrument | 2013988914 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Feb 27, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 7, 2022 |
| Property Address | 204 RANO CT, RICHMOND, KY 40475-9826 |
| Document Number | 00D830/111 |
| Book / Page | D830 / 111 |
| Map Reference | MB 17 PG 156 |
| Instrument Date | Oct 6, 2022 |
| Instrument | 2014114911 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Redemption Amount |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 306 W MAIN ST, RICHMOND, KY 40475-1455 |
| Name | Verified Name |
|---|---|
| Address | 204 RANO CT, RICHMOND, KY 40475-9826 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 21, 2017 |
| Property Address | 204 RANO CT, RICHMOND, KY 40475-9826 |
| Document Number | D00747/756 |
| Book / Page | D00747 / 756 |
| Map Reference | CAB22 SL175 |
| Instrument Date | Jul 20, 2017 |
| Instrument | 2013961998 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1030 ROYAL CREST DR, RICHMOND, KY 40475-8823 |
| Name | Verified Name |
|---|---|
| Address | 204 RANO CT, RICHMOND, KY 40475-9826 |
| Document Number | 2013961999 |
|---|---|
| Date | Jul 21, 2017 |
| Instrument | 2013961999 |
| Name | PEOPLES BANK & TRUST CO OF MADISON |
|---|
| Amount | Amount on Record |
|---|
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 | $1,593.00 (-2.81%) Additional exemption filed | $169,000 (-) | $169,000 (-) |
| 2023 | $1,639.00 | $169,000 | $169,000 |
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 | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% 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 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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