2497 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2497 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba
Lot Size	6.92 acres (301,435 sqft)
Owner	Company Name on Record
Tax Bill	$6,411 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0008-F`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0008-F`
Alternative APNs	`127424` `90265` `57053`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	301,435 sqft (6.92 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	57053
Street Address	2497 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-8809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 6 (6.92 ACRES)
Legal Subdivision	WINKLER WALTERS DEVELOPMENT
Legal Tract	6
Legal Lot Number	6
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2025
Census Tract	10802

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 1623, RICHMOND, KY 40476-1623
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC
Dec 30, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 26, 2018
Transfer Doc	D00782/719
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2497 LANCASTER RD, RICHMOND, KY 40475-8809
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6758 KOHLSTON RD, KNOXVILLE, TN 37918-0904

Mortgage

Document Number	0M2253/110
Date	Aug 15, 2023
Book Page	M2253/110
Instrument	2014161692

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Dec 30, 2019
Property Address	2497 LANCASTER RD, RICHMOND, KY 40475-8809
Document Number	D00782/719
Book / Page	D00782 / 719
Map Reference	CAB 8 SL 82
Instrument Date	Dec 26, 2018
Instrument	2014004643
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
Address	2497 LANCASTER RD, 2497, RICHMOND, KY 40475-8809

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	6758 KOHLSTON RD, KNOXVILLE, TN 37918-0904
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$6,411.00 (+6.16%) Homeowner's exemption	$729,000 (+8.97%)	$729,000 (+8.97%)
2023	$6,039.00 Homeowner's exemption	$669,000	$669,000

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

Flood

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

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% 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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