511 Birch Ct, Richmond, KY 40475 Property Records

Madison County property record for 511 Birch Ct, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	1,759 sqft
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Dec 2024)
Tax Bill	$3,874 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0043-0002-0011`

Property Details

APN / Parcel Number

Primary APN	`0043-0002-0011`
Alternative APNs	`115832` `78928` `70460`

Interior

Stories	1 Story
Building Area	1,759 sqft Living Area
1st Floor Area	1,759 sqft
Basement Area	1,759 sqft
Unfinished Basement	1,759 sqft

Exterior

Exterior Material	Brick Veneer
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	70460
Street Address	511 BIRCH CT
City	RICHMOND
State	KY
Zip	40475-8903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE WOODS LOT 11 (1.04 ACRES)
Legal Subdivision	THE WOODS
Legal Lot Number	11
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2008
Census Tract	10702

Owner

Source: Madison County records, as of December 9, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	511 BIRCH CT, RICHMOND, KY 40475-8903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 11, 2019	Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 15, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO
Feb 25, 2019	Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC
Aug 14, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2024 · Amount on Record
Deed Sale	Dec 26, 2024 · Amount on Record
Prior Sale	Dec 11, 2019
Deed Document Number	202414238423
Deed Book / Page	861 / 794
Prior Transfer Date	Nov 16, 2023
Prior Transfer Doc	0014178259
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	511 BIRCH CT, RICHMOND, KY 40475-8903
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2074/197
Date	Jul 20, 2021
Book Page	M2074/197
Instrument	2014045092

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Dec 11, 2019
Property Address	511 BIRCH CT, RICHMOND, KY 40475-8903
Document Number	D00782/190
Book / Page	D00782 / 190
Map Reference	CAB 17 SL 37
Instrument Date	Nov 25, 2019
Instrument	2014003766
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	511 BIRCH CT, RICHMOND, KY 40475-8903
Investor	Possibly a Property Investor

Mortgage

Document Number	2014003767
Date	Dec 11, 2019
Instrument	2014003767

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	511 BIRCH CT, RICHMOND, KY 40475-8903
Transaction Type	Mortgage
Record Updated	May 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01857/139
Date	Apr 15, 2019
Book Page	M01857/139
Instrument	2013990956

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 25, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 25, 2019
Property Address	511 BIRCH CT, RICHMOND, KY 40475-8903
Document Number	D00770/261
Book / Page	D00770 / 261
Map Reference	CAB 17 SL 37
Instrument Date	Feb 6, 2019
Instrument	2013988764
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4058 DUNDEE DR, 4058, RICHMOND, KY 40475

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 UNION CT, RICHMOND, KY 40475-7609
Investor	Possibly a Property Investor

Mortgage

Document Number	2013988765
Date	Feb 25, 2019
Instrument	2013988765

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	511 BIRCH CT, RICHMOND, KY 40475-8903
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2013963086
Date	Aug 14, 2017
Book Page	M01758/624
Instrument	2013963086

Lender

Name	US BANK NA
Type	Bank
Address	Cincinnati, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 20, 2047

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 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	$3,874.00 (+42.85%) Homeowner's exemption	$460,000 (+41.13%)	$460,000 (+41.13%)
2023	$2,712.00 Homeowner's exemption	$325,950	$325,950

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2004 · rainfall accumulation

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 67% of the US · above 66% of Kentucky
Wildfire Likelihood	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 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
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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