2345 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2345 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba
Owner	2 Individual Names on File
Last Sale	$239,000 (Jul 2013)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0023`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0023`
Alternative APNs	`120168` `83184` `49645`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stone
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	49645
Street Address	2345 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPLELAWN EST LOT 5A & 6B BLK A
Legal Subdivision	MAPLELAWN ES
Legal Block	A
Legal Lot Number	5A,6B
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2025
Census Tract	10802

Owner

2345 Lancaster Rd is owned and occupied by two individuals who bought it in July 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	2345 LANCASTER RD, RICHMOND, KY 40475-9675
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Feb 28, 2017	Deed of Trust, Mortgage · FHA Mortgage STONEGATE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2013 · Amount on File
Deed Sale	Jul 22, 2013 · Amount on File
Deed Document Number	0000693724
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2345 LANCASTER RD, RICHMOND, KY 40475-9675
Transaction Type	Mortgage
Record Updated	Apr 22, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2149/299
Date	Apr 7, 2022
Book Page	M2149/299
Instrument	2014085353

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	KEENE, NH 3431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2345 LANCASTER RD, RICHMOND, KY 40475-9675
Transaction Type	Mortgage
Record Updated	Sep 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2013955031
Date	Feb 28, 2017
Book Page	M01729/675
Instrument	2013955031

Lender

Name	STONEGATE MORTGAGE CORP
Type	Mortgage Company
Address	Indianapolis, IN 46240

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2345 Lancaster Rd was $2,961 with an additional exemption.

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	$2,961.00 Additional exemption filed	$314,000	$314,000
2023	$2,425.00	$250,000	$250,000

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

Flood

FEMA maps place 2345 Lancaster Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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

Wildfire risk around 2345 Lancaster Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.04% 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	KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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