Madison County property record for 479 Concord Rd, Richmond, KY 40475
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Lot Size | 60.7 acres (2,644,092 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $221,500 (Aug 2000) |
| Tax Bill | $5,186 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0081-0000-0018-C |
| Primary APN | 0081-0000-0018-C |
|---|---|
| Alternative APNs |
|
| Lot Area | 2,644,092 sqft (60.7 acres) |
|---|
| Account Number | 52905 |
|---|---|
| Street Address | 479 CONCORD RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9062 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Legal Description | TRACT 3B (30.67 ACRES) |
| Legal Tract | 3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 11001 |
479 Concord Rd, an agricultural property, is owned and occupied by two individuals who bought it in August 2000.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 479 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 |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS HERITAGE CREDIT UNION |
| Oct 23, 2023 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2000 · Amount on File |
| Deed Sale | Aug 9, 2000 · Amount on File |
| Deed Document Number | 0000520461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 21, 2026 |
| Property Address | 479 CONCORD RD, RICHMOND, KY 40475-9062 |
| Document Number | 0014341291 |
| Book / Page | 2460 / 771 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202614341291 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 479 CONCORD RD, RICHMOND, KY 40475-9062 |
| Document Number | 0014341291, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 2460/771 |
| Instrument | 202614341291 |
| Name | MEMBERS HERITAGE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 479 CONCORD RD, RICHMOND, KY 40475-9062 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M2266/161 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | M2266/161 |
| Instrument | 2014173190 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Oct 3, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 3, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 12.3% |
The 2025 property tax bill for 479 Concord Rd was $5,186 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 | $5,186.00 Additional exemption filed | $550,000 | $550,000 |
| 2023 | $145.00 | $15,000 | $15,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 479 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 479 Concord Rd is moderate, ranking above 40% of the US, with a 0.06% 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 | 0.06% 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 | 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, T-Mobile.
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