2509 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2509 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba
Lot Size	12.5 acres (545,371 sqft)
Owner	Individual Name on File
Last Sale	$635,000 (Feb 2021)
Tax Bill	$5,516 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0008-H`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0008-H`
Alternative APNs	`136068` `98835` `66041`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	545,371 sqft (12.5 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	66041
Street Address	2509 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-8810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 8, 5, 5A & C (12.52 ACRES)
Legal Tract	8
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2025
Census Tract	10802

Owner

2509 Lancaster Rd is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2509 LANCASTER RD, RICHMOND, KY 40475-8810
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
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
Oct 22, 2019	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK
Feb 23, 2021	Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO
Jan 12, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2021 · Amount on File
Deed Sale	Feb 23, 2021 · Amount on File
Prior Sale	Jan 12, 2021
Deed Document Number	2014029744
Deed Book / Page	D801 / 306
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2509 LANCASTER RD, RICHMOND, KY 40475-8810
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2244/696
Date	Jul 6, 2023
Book Page	M2244/696
Instrument	2014154996

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 5, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2509 LANCASTER RD, RICHMOND, KY 40475-8810
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01896/296
Date	Oct 22, 2019
Book Page	M01896/296
Instrument	2014001098

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 16, 2020

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 23, 2021
Property Address	2509 LANCASTER RD, RICHMOND, KY 40475-8810
Document Number	00D801/306
Book / Page	D801 / 306
Map Reference	MB 22 PG 27
Instrument Date	Jan 29, 2021
Instrument	2014029744
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2509 LANCASTER RD, RICHMOND, KY 40475-8810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 LANCASTER RD, RICHMOND, KY 40475-8810

Mortgage

Document Number	2014029745
Date	Feb 23, 2021
Instrument	2014029745

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON KY
Recording Date	Jan 12, 2021
Property Address	2509 LANCASTER RD, RICHMOND, KY 40475-8810
Document Number	00D799/665
Book / Page	D799 / 665
Map Reference	CAB 17 SL 191
Instrument Date	Dec 21, 2020
Instrument	2014027395
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4510 NOTTOWAY DR, LEESBURG, FL 34748-7870

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2509 LANCASTER RD, RICHMOND, KY 40475-8810

Tax Assessment & Valuation

The 2025 property tax bill for 2509 Lancaster Rd was $5,516 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	$5,516.00 Additional exemption filed	$585,000	$585,000
2023	$5,674.00	$585,000	$585,000

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

Flood

FEMA maps place 2509 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 2509 Lancaster Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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

Nearby Properties on Lancaster Rd

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