2190 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2190 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,650 sqft
Lot Size	22.9 acres (1,001,009 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jul 2020)
Tax Bill	$2,422 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0005-F`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0005-F`
Alternative APNs	`114711` `77817` `43999`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,650 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,001,009 sqft (22.9 acres)
Garage Type	Basement
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	43999
Street Address	2190 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-8824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22.98 ACRES
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2007
Census Tract	10802

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	2190 LANCASTER RD, RICHMOND, KY 40475-8824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF KENTUCKY FCU
Jul 9, 2020	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2020 · Amount on Record
Deed Sale	Jul 9, 2020 · Amount on Record
Deed Document Number	2014015511
Deed Book / Page	D00790 / 406
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2190 LANCASTER RD, RICHMOND, KY 40475-8824
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2043/328
Date	Apr 16, 2021
Book Page	M2043/328
Instrument	2014033647

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 9, 2020
Property Address	2190 LANCASTER RD, RICHMOND, KY 40475-8824
Document Number	D00790/406
Book / Page	D00790 / 406
Instrument Date	Jun 18, 2020
Instrument	2014015511
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP ESTATE TTL & CLOS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2190 LANCASTER RD, RICHMOND, KY 40475-8824

Mortgage

Document Number	2014015512
Date	Jul 9, 2020
Instrument	2014015512

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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	$2,422.00 (-3.81%) Homeowner's exemption	$306,000 (-)	$306,000 (-)
2023	$2,518.00 Homeowner's exemption	$306,000	$306,000

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 · 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
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

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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