Madison County property record for 206 Ruth Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $33,700 (Feb 1976) |
| Tax Bill | $1,055 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit May 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 052A-0000-0039 |
| Primary APN | 052A-0000-0039 |
|---|---|
| Alternative APNs |
|
| Account Number | 47474 |
|---|---|
| Street Address | 206 RUTH DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOONE VILLAGE LOT 13 |
| Legal Subdivision | BOONE VILL |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10104 |
206 Ruth Dr is owned and occupied by an individual who bought it in February 1976.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 206 RUTH DR, RICHMOND, KY 40475-9344 |
| 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.
| Date | Document |
|---|---|
| Sep 11, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| May 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jan 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| May 26, 2021 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 1976 · Amount on File |
| Deed Sale | Feb 6, 1976 · Amount on File |
| Deed Document Number | 0000758668 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 206 RUTH DR, RICHMOND, KY 40475-9344 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | M01823/543 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | M01823/543 |
| Instrument | 2013981712 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 206 RUTH DR, RICHMOND, KY 40475-9344 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M10800/771 |
|---|---|
| Date | May 1, 2018 |
| Book Page | M10800/771 |
| Instrument | 2013975112 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 206 RUTH DR, RICHMOND, KY 40475-9344 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2017/127 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | M2017/127 |
| Instrument | 2014028488 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 206 RUTH DR, RICHMOND, KY 40475-9344 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | HIGH STREET TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0M2057/120 |
|---|---|
| Date | May 26, 2021 |
| Book Page | M2057/120 |
| Instrument | 2014038306 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 206 Ruth Dr was $1,055 with a homeowner's exemption.
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 | $1,055.00 Homeowner's exemption | $161,000 | $161,000 |
| 2023 | $1,112.00 Homeowner's exemption | $161,000 | $161,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 206 Ruth Dr in Zone X, an area of minimal flood risk.
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 |
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 risk around 206 Ruth Dr 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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