Madison County property record for 440 Concord Rd, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Lot Size | 4.57 acres (199,069 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,219 (2025) |
| Deeds & Mortgages | Jul 2021 Construction Loan Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0081-0000-0008-02 |
| Primary APN | 0081-0000-0008-02 |
|---|---|
| Alternative APNs |
|
| Lot Area | 199,069 sqft (4.57 acres) |
|---|
| Account Number | 65596 |
|---|---|
| Street Address | 440 CONCORD RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9062 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | TRACT 1-B (4.57 ACRES) |
| Legal Tract | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 11001 |
440 Concord Rd is owned and occupied by two individuals.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 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.
| Date | Document |
|---|---|
| Jul 26, 2021 | Deed of Trust, Mortgage · Construction Mortgage OLD NATIONAL BANK |
| Apr 5, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000802402 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 440 CONCORD RD, RICHMOND, KY 40475-9062 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0M2075/470 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | M2075/470 |
| Instrument | 2014045551 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | EVANSVILLE, IN 47708 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 440 CONCORD RD, RICHMOND, KY 40475-9062 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M2226/183 |
|---|---|
| Date | Apr 5, 2023 |
| Book Page | M2226/183 |
| Instrument | 2014139299 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 4, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 440 Concord Rd was $6,219 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 | $6,219.00 Additional exemption filed | $659,500 | $659,500 |
| 2023 | $6,397.00 | $659,500 | $659,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 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 risk around 440 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 | 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 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 |
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