2486 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2486 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 600 sqft
Lot Size	7.18 acres (312,761 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Nov 2020)
Tax Bill	$4,243 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0004-A1`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0004-A1`
Alternative APNs	`102732` `140004` `70105`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	600 sqft Total Area

Exterior

Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	312,761 sqft (7.18 acres)
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	70105
Street Address	2486 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-8809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1 & TRACT D (7.18 ACRES)
Legal Subdivision	LANCASTER
Legal Tract	1
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2027
Census Tract	10802

Owner

2486 Lancaster Rd is owned and occupied by two individuals who bought it in November 2020.

Source: Madison County records, as of December 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2486 LANCASTER RD, RICHMOND, KY 40475-8809
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 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Nov 18, 2020	Deed, Transfer · Commercial Mortgage PEOPLES BANK & TRUST CO OF MADISON
Oct 8, 2020	Intrafamily Transfer, Transfer
Oct 2, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2020 · Amount on File
Deed Sale	Nov 18, 2020 · Amount on File
Deed Document Number	202014024346
Deed Book / Page	797 / 241
Prior Transfer Date	Oct 7, 2020
Prior Transfer Doc	D00795/311
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2486 LANCASTER RD, RICHMOND, KY 40475-8809
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	NOT AVAILABLE, ELITE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2045/24
Date	Apr 21, 2021
Book Page	M2045/24
Instrument	2014034084

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

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

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 18, 2020
Property Address	2486 LANCASTER RD, RICHMOND, KY 40475-8809
Document Number	D00797/241
Book / Page	D00797 / 241
Map Reference	MB P7 PG 229
Instrument Date	Nov 16, 2020
Instrument	2014024346
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
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
Address	2486 LANCASTER RD, 2486, RICHMOND, KY 40475-8809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 BURNAM CT, RICHMOND, KY 40475-1313

Mortgage

Document Number	2014024347
Date	Nov 18, 2020
Instrument	2014024347

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Oct 8, 2020
Property Address	2486 LANCASTER RD, RICHMOND, KY 40475-8809
Document Number	D00795/311
Book / Page	D00795 / 311
Instrument Date	Oct 7, 2020
Instrument	2014021944
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	250 E PRONG RD, RICHMOND, KY 40475-8917

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Oct 2, 2020
Property Address	2486 LANCASTER RD, RICHMOND, KY 40475-8809
Document Number	0D00795/88
Book / Page	D00795 / 88
Instrument Date	Oct 2, 2020
Instrument	2014021507
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	250 E PRONG RD, RICHMOND, KY 40475-8917

Tax Assessment & Valuation

The 2025 property tax bill for 2486 Lancaster Rd was $4,243.

Source: Madison County assessment roll, as of December 9, 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	$4,243.00	$450,000	$450,000
2023	$3,783.00	$390,000	$390,000

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

Flood

FEMA maps place 2486 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 2486 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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