Madison County property record for 445 Moran Summit Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,636 sqft |
| Lot Size | 1.59 acres (69,260 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,500 (Jul 2003) |
| Tax Bill | $1,438 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0046-0000-0008-E |
| Primary APN | 0046-0000-0008-E |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,636 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 69,260 sqft (1.59 acres) |
| Garage Type | Detached |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 96 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 56975 |
|---|---|
| Street Address | 445 MORAN SUMMIT RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT E |
| Legal Subdivision | MORAN SUMMIT |
| Legal Tract | E |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 11402 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 445 MORAN SUMMIT RD, RICHMOND, KY 40475-8169 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 3, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jun 12, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2003 · Amount on Record |
| Deed Sale | Jul 18, 2003 · Amount on Record |
| Deed Document Number | 0000559671 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 445 MORAN SUMMIT RD, RICHMOND, KY 40475-8169 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2023 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 445 MORAN SUMMIT RD, RICHMOND, KY 40475-8169 |
| Document Number | 00M2210/12 |
|---|---|
| Date | Jan 3, 2023 |
| Book Page | M2210/12 |
| Instrument | 2014125551 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Sep 24, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 445 MORAN SUMMIT RD, RICHMOND, KY 40475-8169 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | M01948/490 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | M01948/490 |
| Instrument | 2014013828 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | May 28, 2035 |
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 | $1,438.00 (-2.77%) Additional exemption filed | $152,500 (-) | $152,500 (-) |
| 2023 | $1,479.00 | $152,500 | $152,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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, as of December 31, 2025
5G (outdoors only) and 4G LTE
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