Madison County property record for 209 Settler's Trce, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on File |
| Last Sale | $25,000 (Jul 1999) |
| Tax Bill | $2,224 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0064-0001-0005 |
| Primary APN | 0064-0001-0005 |
|---|---|
| Alternative APNs |
|
| Account Number | 76280 |
|---|---|
| Street Address | 209 SETTLERS TRCE |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7947 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SETTLERS TRACE LOT 5 |
| Legal Subdivision | SETTLERS TRACE |
| Legal Lot Number | 5 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10104 |
209 Settler's Trce is owned and occupied by two individuals who bought it in July 1999.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 209 SETTLERS TRCE, RICHMOND, KY 40475-7947 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 1999 · Amount on File |
| Deed Sale | Jul 1, 1999 · Amount on File |
| Deed Document Number | 0000050496 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 209 SETTLERS TRCE, RICHMOND, KY 40475-7947 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 209 SETTLERS TRCE, RICHMOND, KY 40475-7947 |
| Document Number | 0M2154/127 |
|---|---|
| Date | Apr 25, 2022 |
| Book Page | M2154/127 |
| Instrument | 2014088458 |
| Name | BLUE GRASS FSLA |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40361 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 209 Settler's Trce was $2,224 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 | $2,224.00 Homeowner's exemption | $285,000 | $285,000 |
| 2023 | $2,314.00 Homeowner's exemption | $285,000 | $285,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 209 Settler's Trce 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 209 Settler's Trce is low, with a 0.03% 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 | 0.03% 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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
May also be available: Spectrum.
5G and 4G LTE (outdoors only)
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