549 Ryan Dr, Richmond, KY 40475 Property Records

Madison County property record for 549 Ryan Dr, Richmond, KY 40475

Property Summary

Property Type	Other
Lot Size	0.435 acres (18,949 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Feb 2023)
Tax Bill	$4,243 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0068-002G-0021`

Property Details

APN / Parcel Number

Primary APN	`0068-002G-0021`
Alternative APNs	`137631` `82232` `67605`

Exterior

Lot Area	18,949 sqft (0.435 acres)

Location & Zoning

Account Number	67605
Street Address	549 RYAN DR
City	RICHMOND
State	KY
Zip	40475-7578
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	MAGNOLIA POINTE LOT 21 PH 1
Legal Subdivision	MAGNOLIA POINTE SUB PH 01
Legal Phase	1
Legal Lot Number	21
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1011
Census Tract	10301

Owner

Source: Madison County records, as of October 13, 2026

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	549 RYAN DR, RICHMOND, KY 40475-7578
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2023	Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO
Jul 16, 2021	Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Apr 9, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Aug 14, 2018	Warranty Deed, Construction Loan · Construction Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2023 · Amount on Record
Deed Sale	Feb 23, 2023 · Amount on Record
Prior Sale	Apr 9, 2019 · Amount on Record
Deed Document Number	202314133216
Deed Book / Page	835 / 109
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 23, 2023
Property Address	549 RYAN DR, RICHMOND, KY 40475-7578
Document Number	00D835/109
Book / Page	D835 / 109
Map Reference	CAB 28 SL 43
Instrument Date	Feb 17, 2023
Instrument	2014133216
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3317 HIBERNIA PASS, LEXINGTON, KY 40509-9065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 RYAN DR, RICHMOND, KY 40475-7578

Mortgage

Document Number	2014133217
Date	Feb 23, 2023
Instrument	2014133217

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 16, 2021
Property Address	549 RYAN DR, RICHMOND, KY 40475-7578
Document Number	00D808/574
Book / Page	D808 / 574
Map Reference	CAB 28 SL 43
Instrument Date	Jul 2, 2021
Instrument	2014044897
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$391.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1331 MIDWAY RD, WINCHESTER, KY 40391-9040

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	549 RYAN DR, RICHMOND, KY 40475-7578

Mortgage

Document Number	2014044898
Date	Jul 16, 2021
Instrument	2014044898

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 9, 2019
Property Address	549 RYAN DR, RICHMOND, KY 40475-7578
Document Number	D00772/012
Book / Page	D00772 / 012
Map Reference	CAB 28 SL 43
Instrument Date	Apr 5, 2019
Instrument	2013990743
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	$312.00
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
Relationship	Right of Survivorship
Address	549 RYAN DR, RICHMOND, KY 40475-7578
Investor	Possibly a Property Investor

Mortgage

Document Number	2013990744
Date	Apr 9, 2019
Instrument	2013990744

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

August 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Aug 14, 2018
Property Address	549 RYAN DR, RICHMOND, KY 40475-7578
Document Number	D00763/244
Book / Page	D00763 / 244
Map Reference	CAB28 SL43
Instrument Date	Aug 9, 2018
Instrument	2013980195
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	2013980196
Date	Aug 14, 2018
Instrument	2013980196

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 9, 2019

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 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	$4,243.00 (+11.89%)	$450,000 (+15.09%)	$450,000 (+15.09%)
2023	$3,792.00 (-0.32%)	$391,000 (-)	$391,000 (-)
2022	$3,804.00	$391,000	$391,000

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 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

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