520 Ranier Dr, Richmond, KY 40475 Property Records

Madison County property record for 520 Ranier Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Oct 2020)
Tax Bill	$4,337 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Aug 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`0043-006D-0012`

Property Details

APN / Parcel Number

Primary APN	`0043-006D-0012`
Alternative APNs	`104375` `141675` `71815`

Exterior

Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Account Number	71815
Street Address	520 RANIER DR
City	RICHMOND
State	KY
Zip	40475-7711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE SUMMIT LOT 12 PH 2 UNIT 1
Legal Subdivision	THE SUMMIT
Legal Phase	2
Legal Lot Number	12
Legal Unit	1
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2006
Census Tract	10702

Owner

Source: Madison County records, as of December 9, 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	520 RANIER DR, RICHMOND, KY 40475-7711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Deed, Transfer · Conventional Mortgage HOME FEDERAL BANK CORP
Aug 2, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Deed Document Number	202014021414
Deed Book / Page	795 / 28
Prior Transfer Date	Aug 2, 2018
Prior Transfer Doc	D00762/640
Record Updated	Jun 8, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 1, 2020
Property Address	520 RANIER DR, RICHMOND, KY 40475-7711
Document Number	0D00795/28
Book / Page	D00795 / 28
Map Reference	CAB 18 SL 193
Instrument Date	Sep 18, 2020
Instrument	2014021414
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	517 RANIER DR, RICHMOND, KY 40475-7711

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	520 RANIER DR, RICHMOND, KY 40475-7711

Mortgage

Document Number	2014021415
Date	Oct 1, 2020
Instrument	2014021415

Lender

Name	HOME FEDERAL BANK CORP
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Mortgage

Document Number	0M01963/51
Date	Oct 1, 2020
Book Page	M01963/51
Instrument	2014021416

Lender

Name	HOME FEDERAL BANK CORP
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Aug 2, 2018
Property Address	520 RANIER DR, RICHMOND, KY 40475-7711
Document Number	D00762/640
Book / Page	D00762 / 640
Map Reference	MB18 PG193
Instrument Date	Aug 2, 2018
Instrument	2013979643
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 RANIER DR, RICHMOND, KY 40475-7711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 RANIER DR, RICHMOND, KY 40475-7711

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	$4,337.00 (+11.78%)	$460,000 (+15%)	$460,000 (+15%)
2023	$3,880.00	$400,000	$400,000

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 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 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	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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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