3032 Trophy Ln, Richmond, KY 40475 Property Records

Madison County property record for 3032 Trophy Ln, Richmond, KY 40475

Property Summary

Property TypeSingle Family Home
Lot Size1.8 acres (78,408 sqft)
OwnerCompany Name on File
Last Sale$920,000 (Aug 2026)
Tax Bill$9,052 (2025)
Deeds & MortgagesAug 2026 Sale
Apr 2026 Line of Credit
+ 3 more
Flood ZoneZone X (minimal risk)
APN0043-0016-0007

Property Details

APN / Parcel Number

Primary APN0043-0016-0007
Alternative APNs
  • 103361
  • 140633
  • 70739

Exterior

Lot Area78,408 sqft (1.8 acres)

Location & Zoning

Account Number70739
Street Address3032 TROPHY LN
CityRICHMOND
StateKY
Zip40475-9188
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE RIDGE ESTS LOT 7 PH 2 (1.80 ACRES)
Legal SubdivisionLAKE RIDGE EST
Legal Phase2
Legal Lot Number7
JurisdictionMADISON KY
Township / Civil DivisionKIRKSVILLE
Census Block Group2
Census Block2007
Census Tract10802

Owner

3032 Trophy Ln is owned by a company that bought it in August 2026.

Source: Madison County records, as of August 17, 2026

Owner of RecordCompany Name on File
Mailing Address1520 14TH AVE, MIDDLETOWN, OH 45044-5801
Owner TypeCompany
VestingLimited Liability Partnership

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

DateDocument
Aug 5, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Apr 7, 2026Deed of Trust · Line of Credit
CUMBERLAND VALLEY NATIONAL BANK AND TRUST
Apr 7, 2026Deed of Trust, Mortgage · Line of Credit
CUMBERLAND VALLEY NATIONAL BANK
Aug 24, 2022Deed of Trust, Mortgage · Construction Mortgage
COMMUNITY TRUST BANK INC
Jun 28, 2022Deed, Transfer · Line of Credit
COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 5, 2026 · Amount on File
Deed SaleAug 5, 2026 · Amount on File
Prior SaleJun 28, 2022 · Amount on File
Deed Document Number202614367007
Deed Book / Page886 / 588
Record UpdatedSep 20, 2026

August 2026: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateAug 5, 2026
Property Address3032 TROPHY LN, RICHMOND, KY 40475-9188
Document Number0014367007
Book / Page886 / 588
Instrument DateJul 29, 2026
Instrument202614367007
Transaction TypeTransfer
Record UpdatedAug 17, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$92,920.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership
Address1520 14TH AVE, MIDDLETOWN, OH 45044-5801

April 2026: Deed of Trust

Document TypeDeed of Trust
JurisdictionMADISON KY
Recording DateApr 7, 2026
Property Address3032 TROPHY LN, RICHMOND, KY 40475-9188
Document Number0014336749
Book / Page2457 / 606
Instrument DateMar 23, 2026
Instrument202614336749
Record UpdatedApr 17, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address361 WINDING BRANCH DR, BEREA, KY 40403-8110

Mortgage

Document Number0014336749,
DateApr 7, 2026
Book Page2457/606
Instrument202614336749
Lender
NameCUMBERLAND VALLEY NATIONAL BANK AND TRUST
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate6.01%
Max Rate-1%

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Recording DateApr 7, 2026
Property Address3032 TROPHY LN, RICHMOND, KY 40475-9188
Document Number0M2457/606
Book / Page2457 / 606
Instrument DateMar 23, 2026
Instrument202614336749
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address361 WINDING BRANCH DR, BEREA, KY 40403-8110

Mortgage

Document Number0014336749,
DateApr 7, 2026
Book Page2457/606
Instrument202614336749
Lender
NameCUMBERLAND VALLEY NATIONAL BANK
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate6.01%
Max Rate-1%

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address3032 TROPHY LN, RICHMOND, KY 40475-9188
Transaction TypeMortgage
Record UpdatedDec 9, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0M2185/362
DateAug 24, 2022
Book PageM2185/362
Instrument2014108279
Lender
NameCOMMUNITY TRUST BANK INC
TypeBank
AddressPIKEVILLE, KY 41502
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Rate5.75%
AdjustableAdjustable Rate Rider
Type Change DateAug 1, 2028
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change7.75%
Index1-Year CMT
Max Rate11.7%

June 2022: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateJun 28, 2022
Property Address3032 TROPHY LN, RICHMOND, KY 40475-9188
Document Number00D825/312
Book / PageD825 / 312
Map ReferenceMB 24 SL 133
Instrument DateJun 1, 2022
Instrument2014098248
Transaction TypeTransfer
Record UpdatedDec 9, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$60.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6019 ATWOOD DR STE 9, 9, RICHMOND, KY 40475-8361

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address361 WINDING BRANCH DR, BEREA, KY 40403-8110

Mortgage

Document Number2014098253
DateJun 28, 2022
Instrument2014098253
Lender
NameCOMMUNITY TRUST BANK INC
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record
Term180 Months
DueJun 1, 2037
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 3032 Trophy Ln was $9,052.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyMadison County
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,052.00$960,000$960,000
2023$582.00$60,000$60,000

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

Flood

FEMA maps place 3032 Trophy Ln 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims2 (2015–2026)
Claims Outside the SFHA2 of 2
Most Recent ClaimJun 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 3032 Trophy Ln is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · above 70% of Kentucky
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemKIRKSVILLE WATER ASSOCIATION
private · serves 5,940 people · EPA ID KY0760672
Water SourcePurchased surface water from RICHMOND UTILITIES
Last State InspectionNov 2024
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 8 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber
1,000 / 1,000
Verizon
Fixed Wireless
300 / 20

May also be available: Spectrum.

Nearby Properties on Trophy Ln

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