Madison County property record for 245 Summit St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,279 sqft |
| Owner | Individual Name on Record |
| Last Sale | $122,000 (Apr 2015) |
| Tax Bill | $1,310 (2025) |
| Deeds & Mortgages | Dec 2020 Line of Credit Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R006-0013-0014 |
| Primary APN | R006-0013-0014 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,279 sqft Living Area |
| Exterior Material | Stone |
|---|---|
| Garage Type | Detached |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 63937 |
|---|---|
| Street Address | 245 SUMMIT ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-2159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 10400 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 264 AVAWAM DR, RICHMOND, KY 40475-9197 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2020 | Deed of Trust, Mortgage · Line of Credit KENTUCKY BANK |
| Jul 10, 2018 | Deed of Trust, Mortgage · Commercial Mortgage KENTUCKY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2015 · Amount on Record |
| Deed Sale | Apr 22, 2015 · Amount on Record |
| Deed Document Number | 0000715161 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 245 SUMMIT ST, RICHMOND, KY 40475-2159 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M02008/460 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | M02008/460 |
| Instrument | 2014026750 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Dec 22, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 245 SUMMIT ST, RICHMOND, KY 40475-2159 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2018 |
| Name | Verified Name |
|---|
| Document Number | M01813/098 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | M01813/098 |
| Instrument | 2013978458 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40361 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 5, 2033 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,310.00 (+2.42%) Additional exemption filed | $139,000 (+5.38%) | $139,000 (+5.38%) |
| 2023 | $1,279.00 (-0.31%) | $131,900 (-) | $131,900 (-) |
| 2022 | $1,283.00 | $131,900 | $131,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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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