Madison County property record for 550 E Ridge Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,508 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $67,000 (Mar 1998) |
| Tax Bill | $362 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0038-0003-0089 |
| Primary APN | 0038-0003-0089 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,508 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Wood |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Type | Detached |
| Garage Area | 192 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 75047 |
|---|---|
| Street Address | 550 E RIDGE RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSWEET TRACT 58 |
| Legal Tract | 58 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10103 |
550 E Ridge Rd is owned and occupied by two individuals who bought it in March 1998.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 550 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 28, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 1998 · Amount on File |
| Deed Sale | Mar 12, 1998 · Amount on File |
| Deed Document Number | 0000495796 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 550 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | M2048/417 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | M2048/417 |
| Instrument | 2014035172 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 5, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 550 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01729/563 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | M01729/563 |
| Instrument | 2013954981 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 5, 2032 |
The 2025 property tax bill for 550 E Ridge Rd was $362 with a homeowner's exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $362.00 Homeowner's exemption | $87,500 | $87,500 |
| 2023 | $848.00 | $87,500 | $87,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 550 E Ridge Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.
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 | 2 in force |
| Nearby Flood Claims | 3 (2010–2025) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
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 risk around 550 E Ridge Rd is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 25 / 3 |
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