2146 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2146 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba
Lot Size	10.5 acres (460,429 sqft)
Owner	Individual Name on File
Last Sale	$382,500 (Oct 2018)
Tax Bill	$1,422 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0005-A`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0005-A`
Alternative APNs	`103606` `140881` `70998`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	460,429 sqft (10.5 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Account Number	70998
Street Address	2146 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-8824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10.57 ACRES
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2012
Census Tract	10802

Owner

2146 Lancaster Rd is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2146 LANCASTER RD, RICHMOND, KY 40475-8824
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
Mar 23, 2022	Deed of Trust, Mortgage CENTRAL BANK & TRUST CO
Nov 16, 2017	Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO
Nov 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND VALLEY NATL BANK & TRUST CO
Oct 17, 2018	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2018 · Amount on File
Deed Sale	Oct 17, 2018 · Amount on File
Prior Sale	Jun 11, 2007 · Amount on File
Deed Document Number	2013983383
Deed Book / Page	D00765 / 703
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2146 LANCASTER RD, RICHMOND, KY 40475-8824
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2146 LANCASTER RD, RICHMOND, KY 40475-8824

Mortgage

Document Number	0M2144/463
Date	Mar 23, 2022
Book Page	M2144/463
Instrument	2014082892

Lender

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

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 11, 2032

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2146 LANCASTER RD, RICHMOND, KY 40475-8824
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01775/242
Date	Nov 16, 2017
Book Page	M01775/242
Instrument	2013967891

Lender

Name	CUMBERLAND VALLEY NATL BANK & TRUST CO
Type	Bank
Address	10743

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2146 LANCASTER RD, RICHMOND, KY 40475-8824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01774/191
Date	Nov 9, 2017
Book Page	M01774/191
Instrument	2013967581

Lender

Name	CUMBERLAND VALLEY NATL BANK & TRUST CO
Type	Bank
Address	EAST BERNSTADT, KY 40729

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	4 Years

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Oct 17, 2018
Property Address	2146 LANCASTER RD, RICHMOND, KY 40475-8824
Document Number	D00765/703
Book / Page	D00765 / 703
Instrument Date	Oct 12, 2018
Instrument	2013983383
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60868 LOUISE CT, 60868, MONTROSE, CO 81403-9082

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2146 LANCASTER RD, RICHMOND, KY 40475-8824

Mortgage

Document Number	2013983384
Date	Oct 17, 2018
Instrument	2013983384

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2146 Lancaster Rd was $1,422 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	$1,422.00 Homeowner's exemption	$200,000	$200,000
2023	$1,490.00 Homeowner's exemption	$200,000	$200,000

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

Flood

FEMA maps place 2146 Lancaster Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 2146 Lancaster Rd 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 62% of the US · above 68% 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	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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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