509 Ryker Ct, Richmond, KY 40475 Property Records

Madison County property record for 509 Ryker Ct, Richmond, KY 40475

Property Summary

Property Type	Other
Owner	Individual Name on Record
Last Sale	$304,500 (Sep 2022)
Tax Bill	$2,871 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0094-001C-0043`

Property Details

APN / Parcel Number

Primary APN	`0094-001C-0043`
Alternative APNs	`132288` `84423` `62112`

Location & Zoning

Account Number	62112
Street Address	509 RYKER CT
City	RICHMOND
State	KY
Zip	40475-8394
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	DOVES LANDING LOT 43 PH 2
Legal Phase	2
Legal Lot Number	43
Jurisdiction	MADISON KY
Township / Civil Division	WACO-BYBEE
Census Block Group	1
Census Block	1020
Census Tract	11001

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 RYKER CT, RICHMOND, KY 40475-8394
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC
Sep 9, 2022	Deed, Subdivision Related Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2022 · Amount on Record
Deed Sale	Sep 9, 2022 · Amount on Record
Deed Document Number	2014110843
Deed Book / Page	D829 / 11
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	509 RYKER CT, RICHMOND, KY 40475-8394
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	SAI SETTLEMENT SERVICES LLC, SUMMIT SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 RYKER CT, RICHMOND, KY 40475-8394

Mortgage

Document Number	0M2436/359
Date	Dec 31, 2025
Book Page	M2436/359
Instrument	2014309044

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

September 2022: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 9, 2022
Property Address	509 RYKER CT, RICHMOND, KY 40475-8394
Document Number	000D829/11
Book / Page	D829 / 11
Map Reference	CAB 29 SL 147
Instrument Date	Aug 31, 2022
Instrument	2014110843
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 2, 2024
Title Company	FOUNDATION TITLE, FOUNDATION T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	297 TURNER RDG, RICHMOND, KY 40475-9736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 RYKER CT, RICHMOND, KY 40475-8394

Mortgage

Document Number	2014110844
Date	Sep 9, 2022
Instrument	2014110844

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 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	$2,871.00 (-2.78%) Additional exemption filed	$304,500 (-)	$304,500 (-)
2023	$2,953.00	$304,500	$304,500

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

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

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

Wildfire Risk	Low lower than 64% of the US · above 67% 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	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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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