2505 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2505 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,104 sqft
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Apr 2025)
Tax Bill	$5,516 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0008-K`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0008-K`
Alternative APNs	`107449` `144780` `70813`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,104 sqft Living Area
1st Floor Area	3,036 sqft
Basement Area	3,036 sqft
Finished Basement	3,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	1,242 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	582 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	70813
Street Address	2505 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-8810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 11 (5.00 ACRES)
Legal Subdivision	LAKE RIDGE ESTATES PHASE 2
Legal Tract	11
Legal Lot Number	11
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2025
Census Tract	10802

Owner

Source: Madison County records, as of June 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	210 CHAMPION WAY, RICHMOND, KY 40475-8079
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND VALLEY NATIONAL BANK
Apr 22, 2026	Deed of Trust · Conventional Mortgage CUMBERLAND VALLEY NATIONAL BANK AND TRUST
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2025 · Amount on Record
Deed Sale	Apr 14, 2025 · Amount on Record
Prior Sale	Jan 20, 2023 · Amount on Record
Deed Document Number	202514254805
Deed Book / Page	866 / 180
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Apr 22, 2026
Property Address	2505 LANCASTER RD, RICHMOND, KY 40475-8810
Document Number	0M2461/256
Book / Page	2461 / 256
Instrument Date	Apr 15, 2026
Instrument	202614341535
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2505 LANCASTER RD, RICHMOND, KY 40475-8810

Mortgage

Document Number	0014341535,
Date	Apr 22, 2026
Book Page	2461/256
Instrument	202614341535

Lender

Name	CUMBERLAND VALLEY NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.94%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Apr 22, 2026
Property Address	2505 LANCASTER RD, RICHMOND, KY 40475-8810
Document Number	0014341535
Book / Page	2461 / 256
Instrument Date	Apr 15, 2026
Instrument	2026.14341535
Record Updated	May 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2505 LANCASTER RD, RICHMOND, KY 40475-8810

Mortgage

Document Number	0014341535,
Date	Apr 22, 2026
Book Page	2461/256
Instrument	2026.14341535

Lender

Name	CUMBERLAND VALLEY NATIONAL BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.94%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2505 LANCASTER RD, RICHMOND, KY 40475-8810
Transaction Type	Mortgage
Record Updated	Nov 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2013967331
Date	Nov 3, 2017
Book Page	M01773/302
Instrument	2013967331

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2032

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	$5,516.00 (-2.78%)	$585,000 (-)	$585,000 (-)
2023	$5,674.00	$585,000	$585,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 (outdoors only) and 4G LTE

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