2131 Todd Ln, Richmond, KY 40475 Property Records

Madison County property record for 2131 Todd Ln, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	2.21 acres (96,283 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (May 2019)
Tax Bill	$2,357 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0093-0000-0005-A`

Property Details

APN / Parcel Number

Primary APN	`0093-0000-0005-A`
Alternative APNs	`113331` `76452` `42542`

Exterior

Lot Area	96,283 sqft (2.21 acres)

Location & Zoning

Account Number	42542
Street Address	2131 TODD LN
City	RICHMOND
State	KY
Zip	40475-9238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BIG OAK LOT 5 & 6 UNIT 1
Legal Subdivision	BIG OAK
Legal Lot Number	5,6
Legal Unit	1
Jurisdiction	MADISON KY
Township / Civil Division	WACO-BYBEE
Census Block Group	2
Census Block	2015
Census Tract	11001

Owner

2131 Todd Ln is owned and occupied by an individual who bought it in May 2019.

Source: Madison County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	2131 TODD LN, RICHMOND, KY 40475-9238
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
Apr 4, 2017	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK
Sep 6, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO
May 1, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2019 · Amount on File
Deed Sale	May 1, 2019 · Amount on File
Deed Document Number	20192013991799
Deed Book / Page	772 / 754
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2131 TODD LN, RICHMOND, KY 40475-9238
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01735/274
Date	Apr 4, 2017
Book Page	M01735/274
Instrument	2013956714

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	IRVINE, KY 40336

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 4, 2027

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2131 TODD LN, RICHMOND, KY 40475-9238
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01885/756
Date	Sep 6, 2019
Book Page	M01885/756
Instrument	2013998359

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	May 1, 2019
Property Address	2131 TODD LN, RICHMOND, KY 40475-9238
Document Number	D00772/754
Book / Page	D00772 / 754
Map Reference	MB 3 PG 191
Instrument Date	Apr 26, 2019
Instrument	2013991799
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1524 MUDDY CREEK ROAD, MOUNT STERLING, KY 40353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2131 TODD LN, RICHMOND, KY 40475-9238

Mortgage

Document Number	2013991800
Date	May 1, 2019
Instrument	2013991800

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2131 Todd Ln was $2,357.

Source: Madison County assessment roll, as of December 9, 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	$2,357.00	$250,000	$250,000
2023	$2,425.00	$250,000	$250,000

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

Flood

FEMA maps place 2131 Todd Ln in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 2131 Todd Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Todd Ln

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