2702 Lancaster Rd, Richmond, KY 40475 Property Records

Madison County property record for 2702 Lancaster Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba
Lot Size	1.35 acres (58,980 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Sep 2023)
Tax Bill	$1,555 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0044-0000-0015`

Property Details

APN / Parcel Number

Primary APN	`0044-0000-0015`
Alternative APNs	`128057` `90911` `60862`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	58,980 sqft (1.35 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	60862
Street Address	2702 LANCASTER RD
City	RICHMOND
State	KY
Zip	40475-9651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 (1.354 ACRES)
Legal Subdivision	LANCASTER
Legal Lot Number	1
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2039
Census Tract	10802

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2702 LANCASTER RD, RICHMOND, KY 40475-9651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Sep 9, 2019	Deed, Transfer · ARM PARK COMMUNITY FCU
Nov 1, 2018	Deed, Transfer PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2023 · Amount on Record
Deed Sale	Sep 13, 2023 · Amount on Record
Prior Sale	Sep 9, 2019 · Amount on Record
Deed Document Number	2014167005
Deed Book / Page	D843 / 414
Record Updated	Jun 8, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 13, 2023
Property Address	2702 LANCASTER RD, RICHMOND, KY 40475-9651
Document Number	00D843/414
Book / Page	D843 / 414
Map Reference	CAB 28 SL 46
Instrument Date	Sep 8, 2023
Instrument	2014167005
Transaction Type	Transfer
Record Updated	Oct 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 BRYON AVE, BEREA, KY 40403-2101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2702 LANCASTER RD, RICHMOND, KY 40475-9651

Mortgage

Document Number	2014167006
Date	Sep 13, 2023
Instrument	2014167006

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 9, 2019
Property Address	2702 LANCASTER RD, RICHMOND, KY 40475-9651
Document Number	D00778/192
Book / Page	D00778 / 192
Map Reference	CAB 28 SL 46
Instrument Date	Aug 26, 2019
Instrument	2013998396
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	PO BOX 303, RICHMOND, KY 40476-0303

Mortgage

Document Number	2013998397
Date	Sep 9, 2019
Instrument	2013998397

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	6.25%
Index	5-Year CMT
Max Rate	10.2%

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 1, 2018
Property Address	2702 LANCASTER RD, RICHMOND, KY 40475-9651
Document Number	D00766/389
Book / Page	D00766 / 389
Map Reference	CAB28 SL46
Instrument Date	Oct 30, 2018
Instrument	2013984103
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$57.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 RICHMOND AVE, 33, LEXINGTON, KY 40502-1427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2549 OAKLEY WELLS RD, RICHMOND, KY 40475-9235

Mortgage

Document Number	2013984104
Date	Nov 1, 2018
Instrument	2013984104

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,555.00 (+60.31%) Additional exemption filed	$165,000 (+65%)	$165,000 (+65%)
2023	$970.00 (-0.31%)	$100,000 (-)	$100,000 (-)
2022	$973.00	$100,000	$100,000

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	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 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 and 4G LTE (outdoors only)

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