Madison County property record for 313 N 2nd St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 2,117 sqft |
| Owner | Company Name on File |
| Tax Bill | $1,320 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | R008-0010-0001 |
| Primary APN | R008-0010-0001 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,117 sqft Living Area |
| Exterior Material | Wood |
|---|---|
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 61241 |
|---|---|
| Street Address | 313 N 2ND ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS A & B |
| Legal Lot Number | A,B |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 10400 |
313 N 2nd St is owned by a company that acquired it in September 2018 and is owner-occupied.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 313 N 2ND ST, RICHMOND, KY 40475-1409 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 4, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 4, 2018 |
| Transfer Doc | D00764/152 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 313 N 2ND ST, RICHMOND, KY 40475-1409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M2125/641 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | M2125/641 |
| Instrument | 2014072302 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 4, 2018 |
| Property Address | 313 N 2ND ST, RICHMOND, KY 40475-1409 |
| Document Number | D00764/152 |
| Book / Page | D00764 / 152 |
| Instrument Date | Aug 18, 2018 |
| Instrument | 2013981407 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1254, RICHMOND, KY 40476-1254 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1623, RICHMOND, KY 40476-1623 |
The 2025 property tax bill for 313 N 2nd St was $1,320 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,320.00 Additional exemption filed | $140,000 | $140,000 |
| 2023 | $1,358.00 (-0.29%) | $140,000 (-) | $140,000 (-) |
| 2022 | $1,362.00 | $140,000 | $140,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 313 N 2nd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1989.
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 |
| Nearby Flood Claims | 3 (1989–2013) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2013 · rainfall accumulation |
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 risk around 313 N 2nd St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 348 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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