Madison County property record for 221 Lancaster Ave, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 2,352 sqft · built 1935 |
| Owner | 2 Individual Names on File |
| Last Sale | $169,000 (Sep 2011) |
| Tax Bill | $2,282 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0029-0014 |
| Primary APN | R005-0029-0014 |
|---|---|
| Alternative APNs |
|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,352 sqft Living Area |
| Year Built | Built 1935 |
|---|---|
| Exterior Material | Brick Veneer |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 73863 |
|---|---|
| Street Address | 221 LANCASTER AVE |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELLINGTON PLACE LOT 36 & 37 |
| Legal Lot Number | 36,37 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10400 |
221 Lancaster Ave is owned and occupied by two individuals who bought it in September 2011.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 221 LANCASTER AVE, RICHMOND, KY 40475-1305 |
| 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.
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jul 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2011 · Amount on File |
| Deed Sale | Sep 16, 2011 · Amount on File |
| Deed Document Number | 0000671299 |
| Prior Transfer Date | Mar 8, 2005 |
| Prior Transfer Doc | 341129 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 221 LANCASTER AVE, RICHMOND, KY 40475-1305 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 221 LANCASTER AVE, RICHMOND, KY 40475-1305 |
| Document Number | 0M2181/683 |
|---|---|
| Date | Aug 10, 2022 |
| Book Page | M2181/683 |
| Instrument | 2014105805 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45253 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 221 LANCASTER AVE, RICHMOND, KY 40475-1305 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2178/329 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | M2178/329 |
| Instrument | 2014103201 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2037 |
The 2025 property tax bill for 221 Lancaster Ave was $2,282 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $2,282.00 Additional exemption filed | $242,000 | $242,000 |
| 2023 | $1,769.00 (-0.28%) | $182,400 (-) | $182,400 (-) |
| 2022 | $1,774.00 | $182,400 | $182,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 Lancaster Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1989.
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 |
| Nearby Flood Claims | 3 (1989–2013) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2013 · rainfall accumulation |
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 risk around 221 Lancaster Ave is low, with less than 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 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 230 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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