509 Ryan Dr, Richmond, KY 40475 Property Records

Madison County property record for 509 Ryan Dr, Richmond, KY 40475

Property Summary

Property Type	Other
Lot Size	0.31 acres (13,547 sqft)
Owner	Individual Name on Record
Last Sale	$268,237 (Jul 2019)
Tax Bill	$3,159 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0068-002G-0031`

Property Details

APN / Parcel Number

Primary APN	`0068-002G-0031`
Alternative APNs	`102431` `139698` `69806`

Exterior

Lot Area	13,547 sqft (0.31 acres)

Location & Zoning

Account Number	69806
Street Address	509 RYAN DR
City	RICHMOND
State	KY
Zip	40475-7578
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	MAGNOLIA POINTE LOT 31 PH 1 (.311 ACRES)
Legal Phase	1
Legal Lot Number	31
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1011
Census Tract	10301

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	509 RYAN DR, RICHMOND, KY 40475-7578
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Jul 23, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Dec 3, 2018	Warranty Deed, Construction Loan · Construction Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	2013995966
Deed Book / Page	D00776 / 286
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	509 RYAN DR, RICHMOND, KY 40475-7578
Transaction Type	Mortgage
Record Updated	Feb 2, 2024
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01989/722
Date	Oct 26, 2020
Book Page	M01989/722
Instrument	2014022874

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jul 23, 2019
Property Address	509 RYAN DR, RICHMOND, KY 40475-7578
Document Number	D00776/286
Book / Page	D00776 / 286
Map Reference	CAB 28 SL 43
Instrument Date	Jul 18, 2019
Instrument	2013995966
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 N KEENELAND DR, RICHMOND, KY 40475-7951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 RYAN DR, RICHMOND, KY 40475-7578

Mortgage

Document Number	2013995967
Date	Jul 23, 2019
Instrument	2013995967

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

December 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Dec 3, 2018
Property Address	509 RYAN DR, RICHMOND, KY 40475-7578
Document Number	D00767/451
Book / Page	D00767 / 451
Map Reference	CAB28 SL43
Instrument Date	Nov 30, 2018
Instrument	2013985451
Transaction Type	Construction Loan
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 N KEENELAND DR, RICHMOND, KY 40475-7951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 N KEENELAND DR, RICHMOND, KY 40475-7951
Investor	Possibly a Property Investor

Mortgage

Document Number	2013985452
Date	Dec 3, 2018
Instrument	2013985452

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,159.00 (+21.45%) Additional exemption filed	$335,000 (+24.89%)	$335,000 (+24.89%)
2023	$2,601.00 (-0.31%)	$268,237 (-)	$268,237 (-)
2022	$2,609.00	$268,237	$268,237

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

Flood

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 8 (10% 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

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	0.04% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Metronet, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ryan Dr

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