Madison County property record for 227 Combs Ferry Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.59 acres (69,260 sqft) |
| Owner | Individual Name on File |
| Last Sale | $335,000 (Feb 2020) |
| Tax Bill | $3,159 (2025) |
| Deeds & Mortgages | Apr 2026 Construction Loan Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0063-0000-0023 |
| Primary APN | 0063-0000-0023 |
|---|---|
| Alternative APNs |
|
| Lot Area | 69,260 sqft (1.59 acres) |
|---|
| Account Number | 39299 |
|---|---|
| Street Address | 227 COMBS FERRY RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9356 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWNLINE LOT 15-16 UNIT 2 |
| Legal Subdivision | TOWNLINE |
| Legal Lot Number | 15-16 |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 10104 |
Source: Madison County records · APN 0063-0000-0023
Assessment roll updated December 9, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6400 ATHENS BOONESBORO RD, LEXINGTON, KY 40509-9601 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 06, 2026 | Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST COMPANY |
| Apr 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO |
| May 08, 2020 | Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO |
| Feb 28, 2020 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 28, 2020 · Amount on Record |
| Deed Sale | Feb 28, 2020 · Amount on Record |
| Prior Sale | Sep 23, 2011 · Amount on Record |
| Deed Document Number | 202014008053 |
| Deed Book / Page | 785 / 110 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 06, 2026 |
| Property Address | 227 COMBS FERRY RD, RICHMOND, KY 40475-9356 |
| Document Number | 0014336217 |
| Book / Page | 2457 / 372 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 202614336217 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 227 COMBS FERRY RD, RICHMOND, KY 40475-9356 |
| Document Number | 0014336217, |
|---|---|
| Date | Apr 06, 2026 |
| Book Page | 2457/372 |
| Instrument | 202614336217 |
| Name | CENTRAL BANK & TRUST COMPANY |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 24, 2036 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 227 COMBS FERRY RD, RICHMOND, KY 40475-9356 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | LAND GROUP TITLE AND CLOSINGS, LAND GROUP TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | M2039/99 |
|---|---|
| Date | Apr 01, 2021 |
| Book Page | M2039/99 |
| Instrument | 2014032667 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 227 COMBS FERRY RD, RICHMOND, KY 40475-9356 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01937/598 |
|---|---|
| Date | May 08, 2020 |
| Book Page | M01937/598 |
| Instrument | 2014011643 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Apr 06, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 28, 2020 |
| Property Address | 227 COMBS FERRY RD, RICHMOND, KY 40475-9356 |
| Document Number | D00785/110 |
| Book / Page | D00785 / 110 |
| Map Reference | CAB 15 SL 73 |
| Instrument Date | Feb 25, 2020 |
| Instrument | 2014008053 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $335.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10633 FLORIDA BLVD, 10633, WALKER, LA 70785-6939 |
| Name | Verified Name |
|---|---|
| Address | 6400 ATHENS BOONESBORO RD, LEXINGTON, KY 40509-9601 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,159.00 (-2.77%) | $335,000 (-) | $335,000 (-) |
| 2023 | $3,249.00 | $335,000 | $335,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 43 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MADISON CO UTILITIES DISTRICT serves 25,120 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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