2184 Todd Ln, Richmond, KY 40475 Property Records

Madison County property record for 2184 Todd Ln, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jan 2024)
Tax Bill	$2,687 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0093-0000-0001-T`

Property Details

APN / Parcel Number

Primary APN	`0093-0000-0001-T`
Alternative APNs	`117806` `80854` `69818`

Interior

Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Lot Area	88,427 sqft (2.03 acres)
Garage Type	Attached

Location & Zoning

Account Number	69818
Street Address	2184 TODD LN
City	RICHMOND
State	KY
Zip	40475-9238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE CONCORDS LOT 17 (2.03 ACRES)
Legal Subdivision	THE CONCORDS
Legal Lot Number	17
Jurisdiction	MADISON KY
Township / Civil Division	WACO-BYBEE
Census Block Group	2
Census Block	2001
Census Tract	11001

Owner

Source: Madison County records, as of January 19, 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 Record
Mailing Address	2184 TODD LN, RICHMOND, KY 40475-9238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK
Sep 14, 2021	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK
Apr 1, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS GUARANTY BANK
Jan 3, 2024	Deed, Transfer JETT TITLE
May 9, 2023	Commissioner's Deed, Foreclosure Foreclosure Auction
May 9, 2023	Deed, Transfer
Nov 10, 2017	Warranty Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2024 · Amount on Record
Deed Sale	Jan 3, 2024 · Amount on Record
Prior Sale	May 9, 2023
Deed Document Number	2014184497
Deed Book / Page	D847 / 334
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2184 TODD LN, RICHMOND, KY 40475-9238
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01914/540
Date	Jan 29, 2020
Book Page	M01914/540
Instrument	2014006269

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	RICHMOND, KY 40476

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2184 TODD LN, RICHMOND, KY 40475-9238
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2184 TODD LN, RICHMOND, KY 40475-9238

Mortgage

Document Number	0M2091/348
Date	Sep 14, 2021
Book Page	M2091/348
Instrument	2014052828

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	RICHMOND, KY 40476

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2051

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2184 TODD LN, RICHMOND, KY 40475-9238
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2184 TODD LN, RICHMOND, KY 40475-9238

Mortgage

Document Number	0M2147/381
Date	Apr 1, 2022
Book Page	M2147/381
Instrument	2014084441

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	RICHMOND, KY 40476

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Mar 30, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 3, 2024
Property Address	2184 TODD LN, RICHMOND, KY 40475-9238
Document Number	00D847/334
Book / Page	D847 / 334
Map Reference	CAB 11 PG 45
Instrument Date	Dec 29, 2023
Instrument	2014184497
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Tax	$285.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	735 CONCORD RD, RICHMOND, KY 40475-9248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2184 TODD LN, RICHMOND, KY 40475-9238

May 2023: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON KY
Recording Date	May 9, 2023
Property Address	2184 TODD LN, RICHMOND, KY 40475-9238
Document Number	000D838/24
Book / Page	D838 / 24
Instrument Date	Apr 24, 2023
Instrument	2014143991
Transaction Type	Foreclosure
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2184 TODD LN, RICHMOND, KY 40475-9238

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 9, 2023
Property Address	2184 TODD LN, RICHMOND, KY 40475-9238
Document Number	000D838/35
Book / Page	D838 / 35
Instrument Date	Oct 23, 2022
Instrument	2014143994
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 RAINBOW DR, BEREA, KY 40403-9003

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2184 TODD LN, RICHMOND, KY 40475-9238

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Nov 10, 2017
Property Address	2184 TODD LN, RICHMOND, KY 40475-9238
Document Number	D00752/533
Book / Page	D00752 / 533
Map Reference	CAB 11 SL45
Instrument Date	Nov 10, 2017
Instrument	2013967684
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	262 SW 1ST ST, RICHMOND, IN 47374-5302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2184 TODD LN, RICHMOND, KY 40475-9238

Mortgage

Document Number	2013967685
Date	Nov 10, 2017
Instrument	2013967685

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 10, 2047

Tax Assessment & Valuation

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	$2,687.00 (+47.39%) Additional exemption filed	$285,000 (+51.6%)	$285,000 (+51.6%)
2023	$1,823.00 (+6.92%)	$188,000 (+7.24%)	$188,000 (+7.24%)
2022	$1,705.00	$175,300	$175,300

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

Flood

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

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 21 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.

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