Madison County property record for 3847 Simpson Ln, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 2,151 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $258,139 (Jul 2014) |
| Tax Bill | $2,612 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Sep 2020 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0038-0000-0044-BT |
| Primary APN | 0038-0000-0044-BT |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,151 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 64206 |
|---|---|
| Street Address | 3847 SIMPSON LN |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT A (1 ACRE) |
| Legal Tract | A |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 10104 |
3847 Simpson Ln is owned and occupied by two individuals who bought it in July 2014.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3847 SIMPSON LN, RICHMOND, KY 40475-8409 |
| 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.
| Date | Document |
|---|---|
| Jun 2, 2021 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Sep 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNIVERSITY OF KENTUCKY FCU |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2014 · Amount on File |
| Deed Sale | Jul 7, 2014 · Amount on File |
| Deed Document Number | 0000705373 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3847 SIMPSON LN, RICHMOND, KY 40475-8409 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2059/535 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | M2059/535 |
| Instrument | 2014039162 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3847 SIMPSON LN, RICHMOND, KY 40475-8409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01974/33 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | M01974/33 |
| Instrument | 2014019421 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3847 SIMPSON LN, RICHMOND, KY 40475-8409 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Title Company | RAINBOW TITLE COMPANY INC |
| Name | Verified Name |
|---|
| Document Number | M01959/512 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | M01959/512 |
| Instrument | 2014016168 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 1, 2040 |
The 2025 property tax bill for 3847 Simpson Ln was $2,612 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,612.00 Additional exemption filed | $277,000 | $277,000 |
| 2023 | $2,686.00 | $277,000 | $277,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3847 Simpson Ln in Zone X, an area of minimal flood risk.
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 |
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 3847 Simpson Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 51 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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