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206 Ridgeway Dr, Richmond, KY 40475 Property Records

Madison County property record for 206 Ridgeway Dr, Richmond, KY 40475

Property Summary

Property TypeSingle Family Home
Details1,432 sqft
Lot Size0.513 acres (22,354 sqft)
OwnerIndividual Name on File
Last Sale$200,000 (May 2021)
Tax Bill$708 (2025)
Deeds & MortgagesJul 2026 Line of Credit
May 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNR001-0012-0003

Property Details

APN / Parcel Number

Primary APNR001-0012-0003
Alternative APNs
  • 119385
  • 82407
  • 48864

Interior

Stories1 Story
Building Area1,432 sqft Living Area

Exterior

Exterior MaterialWood
Lot Area22,354 sqft (0.513 acres)

Location & Zoning

Account Number48864
Street Address206 RIDGEWAY DR
CityRICHMOND
StateKY
Zip40475-2242
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGREENWAY #2 LOT 2
Legal SubdivisionGREENWAY
Legal Lot Number2
JurisdictionMADISON KY
Township / Civil DivisionRICHMOND
Census Block Group3
Census Block3001
Census Tract10601

Owner

206 Ridgeway Dr is owned and occupied by an individual who bought it in May 2021.

Source: Madison County records, as of July 13, 2026

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 RecordIndividual Name on File
Mailing Address206 RIDGEWAY DR, RICHMOND, KY 40475-2242
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 2, 2026Deed of Trust, Mortgage · Line of Credit
US BANK
May 3, 2021Deed, Transfer · Commercial Mortgage
WHITAKER BANK INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 3, 2021 · Amount on File
Deed SaleMay 3, 2021 · Amount on File
Prior SaleOct 26, 2010
Deed Document Number20212014035386
Deed Book / Page804 / 485
Prior Transfer DateJan 19, 2012
Prior Transfer DocD675/071
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Recording DateJul 2, 2026
Property Address206 RIDGEWAY DR, RICHMOND, KY 40475-2242
Document Number0014359600
Book / Page2480 / 734
Instrument DateJun 16, 2026
Instrument202614359600
Transaction TypeMortgage
Record UpdatedJul 13, 2026
Title CompanyRADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address206 RIDGEWAY DR, RICHMOND, KY 40475-2242

Mortgage

Document Number0014359600,
DateJul 2, 2026
Book Page2480/734
Instrument202614359600
Lender
NameUS BANK
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueJun 27, 2056
Interest
Rate6.51%
Max Rate-1%

May 2021: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateMay 3, 2021
Property Address206 RIDGEWAY DR, RICHMOND, KY 40475-2242
Document NumberD804/485
Book / PageD804 / 485
Map ReferenceMB 1 PG 65
Instrument DateFeb 26, 2021
Instrument2014035386
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$200.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address137 CASTLEWOOD DR, 137, RICHMOND, KY 40475-8860

Transferred To (Grantee/Buyer)

NameVerified Name
Address1020 DUCK HORN DR, RICHMOND, KY 40475-6536

Mortgage

Document Number2014035388
DateMay 3, 2021
Instrument2014035388
Lender
NameWHITAKER BANK INC
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 206 Ridgeway Dr was $708 with a homeowner's exemption.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyMadison County
MunicipalityRichmond City
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$708.00 Homeowner's exemption$124,200$124,200
2023$755.00 (-7.25%) Homeowner's exemption$124,200 (-)$124,200 (-)
2022$814.00 Homeowner's exemption$124,200$124,200

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

Flood

FEMA maps place 206 Ridgeway Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 206 Ridgeway Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemRICHMOND UTILITIES
serves 35,640 people · EPA ID KY0760370
Water SourceSurface water
Last State InspectionNov 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and ReportingNone
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 270 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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