2045 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2045 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,820 sqft
Lot Size	2.45 acres (106,722 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Feb 2013)
Tax Bill	$2,205 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0057-0000-0006-B`

Property Details

APN / Parcel Number

Primary APN	`0057-0000-0006-B`
Alternative APNs	`106997` `144337` `74506`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,820 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Roof Material	Metal
Lot Area	106,722 sqft (2.45 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	74506
Street Address	2045 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-9649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.45 ACRES
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2011
Census Tract	10802

Owner

2045 Lancaster Rd is owned and occupied by an individual who bought it in February 2013.

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

Owner of Record	Individual Name on File
Mailing Address	2045 LANCASTER RD, RICHMOND, KY 40475-9649
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
Aug 20, 2026	Deed of Trust, Mortgage · FHA Mortgage EMORTGAGE MANAGEMENT LLC
Feb 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2013 · Amount on File
Deed Sale	Feb 1, 2013 · Amount on File
Deed Document Number	0000688188
Deed Book / Page	D649 / 448
Prior Transfer Date	Sep 8, 2009
Prior Transfer Doc	432688
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Aug 20, 2026
Property Address	2045 LANCASTER RD, RICHMOND, KY 40475-9649
Document Number	0014369858
Book / Page	2494 / 317
Instrument Date	Aug 11, 2026
Instrument	202614369858
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 LANCASTER RD, RICHMOND, KY 40475-9649

Mortgage

Document Number	0014369858,
Date	Aug 20, 2026
Book Page	2494/317
Instrument	202614369858

Lender

Name	EMORTGAGE MANAGEMENT LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2051

Interest

Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2045 LANCASTER RD, RICHMOND, KY 40475-9649
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01790/370
Date	Feb 23, 2018
Book Page	M01790/370
Instrument	2013972131

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	157 Months
Due	Mar 1, 2031

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2045 LANCASTER RD, RICHMOND, KY 40475-9649
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01862/125
Date	May 8, 2019
Book Page	M01862/125
Instrument	2013992142

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2045 Lancaster Rd was $2,205 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	$2,205.00 Homeowner's exemption	$283,000	$283,000
2023	$2,295.00 Homeowner's exemption	$283,000	$283,000

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

Flood

FEMA maps place 2045 Lancaster Rd in Zone X, an area of minimal flood risk, though there have been 2 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2015–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 2045 Lancaster Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.04% 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	RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lancaster Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures