Madison County property record for 218 Keystone Dr, Richmond, KY 40475
| Property Type | Duplex |
|---|---|
| Details | 1,140 sqft |
| Lot Size | 0.218 acres (9,525 sqft) |
| Owner | Individual Name on File |
| Last Sale | $128,650 (Jan 2010) |
| Tax Bill | $1,234 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054C-0005-0010 |
| Primary APN | 054C-0005-0010 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 1,140 sqft |
| Unfinished Basement | 1,140 sqft |
| Architectural Style | Duplex Single |
|---|---|
| Exterior Material | Brick Veneer |
| Lot Area | 9,525 sqft (0.218 acres) |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 73738 |
|---|---|
| Street Address | 218 KEYSTONE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8519 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | S BLUEGRASS CENTER LOT 27 PH IV |
| Legal Subdivision | S BLUEGRASS CENTER |
| Legal Phase | 15 |
| Legal Block | 4 |
| Legal Lot Number | 27 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 10701 |
218 Keystone Dr, a duplex, is owned and occupied by an individual who bought it in January 2010.
Source: Madison County records, as of October 5, 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 218 KEYSTONE DR, 1, RICHMOND, KY 40475-8519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Apr 30, 2026 | Affidavit, Transfer |
| Nov 30, 2021 | Deed of Trust, Mortgage WHITAKER BANK INC |
| Feb 6, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 11, 2010 · Amount on File |
| Deed Sale | Jan 11, 2010 · Amount on File |
| Prior Sale | Feb 16, 2005 · Amount on File |
| Deed Document Number | 2010438134 |
| Deed Book / Page | 653 / 312 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 20, 2026 |
| Property Address | 218 KEYSTONE DR, RICHMOND, KY 40475-8519 |
| Document Number | 0014363111 |
| Book / Page | 2485 / 478 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202614363111 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | FOUNDATION TITLE |
| Name | Verified Name |
|---|---|
| Address | 1634 FOUR MILE RD, RICHMOND, KY 40475-9229 |
| Document Number | 0014363111, |
|---|---|
| Date | Jul 20, 2026 |
| Book Page | 2485/478 |
| Instrument | 202614363111 |
| Name | WHITAKER BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 15, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 30, 2026 |
| Property Address | 218 KEYSTONE DR, RICHMOND, KY 40475-8519 |
| Document Number | 0014343627 |
| Book / Page | 882 / 124 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 202614343627 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | RICHMOND, KY 40475 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 218 KEYSTONE DR, RICHMOND, KY 40475-8519 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 218 KEYSTONE DR, RICHMOND, KY 40475-8519 |
| Document Number | M2113/533 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | M2113/533 |
| Instrument | 2014066079 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | NAPLES, ME 4055 |
| Amount | Amount on Record |
|---|---|
| Term | 45 Months |
| Due | Aug 29, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 218 KEYSTONE DR, RICHMOND, KY 40475-8519 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN ELS |
| Name | Verified Name |
|---|
| Document Number | M01916/756 |
|---|---|
| Date | Feb 6, 2020 |
| Book Page | M01916/756 |
| Instrument | 2014006888 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 25, 2049 |
The 2025 property tax bill for 218 Keystone Dr was $1,234 with a homeowner's exemption.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,234.00 Homeowner's exemption | $180,000 | $180,000 |
| 2023 | $920.00 (-6.03%) Homeowner's exemption | $141,200 (-) | $141,200 (-) |
| 2022 | $979.00 Homeowner's exemption | $141,200 | $141,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 218 Keystone Dr 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 risk around 218 Keystone 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 Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 264 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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