439 Concord Rd, Richmond, KY 40475 Property Records

Madison County property record for 439 Concord Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$24,000 (Apr 2010)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0081-0000-0018-A`

Property Details

APN / Parcel Number

Primary APN	`0081-0000-0018-A`
Alternative APNs	`117610` `80676` `47018`

Exterior

Lot Area	435,600 sqft (10 acres)

Location & Zoning

Account Number	47018
Street Address	439 CONCORD RD
City	RICHMOND
State	KY
Zip	40475-9062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2-C (10 ACRES)
Legal Tract	2
Legal Lot Number	1
Jurisdiction	MADISON KY
Township / Civil Division	WACO-BYBEE
Census Block Group	3
Census Block	3017
Census Tract	11001

Owner

439 Concord Rd is owned and occupied by two individuals who acquired it in August 2021.

Source: Madison County records, as of December 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	439 CONCORD RD, RICHMOND, KY 40475-9062
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2010 · Amount on File
Deed Sale	Apr 8, 2010 · Amount on File
Deed Document Number	2010441718
Deed Book / Page	655 / 498
Last Transfer Date	Aug 20, 2021
Transfer Doc	2014049584
Record Updated	Sep 20, 2026

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 15, 2017
Property Address	439 CONCORD RD, RICHMOND, KY 40475-9062
Document Number	D00742/270
Book / Page	D00742 / 270
Instrument Date	Mar 14, 2017
Instrument	2013955726
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	527 GILBERT DR, RICHMOND, KY 40475-3078

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 CONCORD RD, RICHMOND, KY 40475-9062

Mortgage

Document Number	2013955727
Date	Mar 15, 2017
Instrument	2013955727

Lender

Name	CENTRAL KENTUCKY AG CREDIT ASSN
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	288 Months
Due	Mar 14, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 439 Concord Rd was $2,178.

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	$2,178.00	$231,000	$231,000
2023	$1,658.00	$171,000	$171,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 439 Concord Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 439 Concord Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.07% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30