2680 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2680 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba
Lot Size	10 acres (437,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Dec 2021)
Tax Bill	$3,328 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0010`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0010`
Alternative APNs	`117812` `80862` `47231`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Combination
Construction Type	Frame
Roof Material	Metal
Lot Area	437,996 sqft (10 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	47231
Street Address	2680 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-8811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1A (10.055 ACRES)
Legal Subdivision	CONTRACT TO DIVIDE REAL ESTATE
Legal Tract	1
Legal Lot Number	TR 1
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2027
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	2 Individual Names on Record
Mailing Address	2680 LANCASTER RD, RICHMOND, KY 40475-8811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Dec 17, 2021	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Deed Document Number	20212014068988
Deed Book / Page	815 / 676
Prior Transfer Date	May 19, 2010
Prior Transfer Doc	00D657/575
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2680 LANCASTER RD, RICHMOND, KY 40475-8811
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2166/232
Date	Jun 8, 2022
Book Page	M2166/232
Instrument	2014095372

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2052

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 17, 2021
Property Address	2680 LANCASTER RD, RICHMOND, KY 40475-8811
Document Number	00D815/676
Book / Page	D815 / 676
Map Reference	MB 28 PG 359
Instrument Date	Dec 15, 2021
Instrument	2014068988
Transaction Type	Transfer
Record Updated	Jan 6, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
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	110 MORAN MILL RD, 110, RICHMOND, KY 40475-8807

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2680 LANCASTER RD, RICHMOND, KY 40475-8811

Mortgage

Document Number	2014068991
Date	Dec 17, 2021
Instrument	2014068991

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$3,328.00 (-2.8%)	$353,000 (-)	$353,000 (-)
2023	$3,424.00	$353,000	$353,000

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	Low lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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