559 Forest Ln, Richmond, KY 40475 Property Records

Madison County property record for 559 Forest Ln, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (May 2020)
Tax Bill	$2,121 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0093-0000-0034-A`

Property Details

APN / Parcel Number

Primary APN	`0093-0000-0034-A`
Alternative APNs	`117444` `80518` `46841`

Exterior

Lot Area	56,628 sqft (1.3 acres)

Location & Zoning

Account Number	46841
Street Address	559 FOREST LN
City	RICHMOND
State	KY
Zip	40475-3626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT A (1.30 ACRES)
Legal Tract	A
Jurisdiction	MADISON KY
Township / Civil Division	WACO-BYBEE
Census Block Group	1
Census Block	1004
Census Tract	11001

Owner

559 Forest Ln is owned and occupied by an individual who bought it in May 2020.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	559 FOREST LN, RICHMOND, KY 40475-3626
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2019	Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE FCU
Apr 6, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 12, 2020	Deed, Transfer · VA Mortgage KENTUCKY BANK
Jun 5, 2017	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2020 · Amount on File
Deed Sale	May 12, 2020 · Amount on File
Prior Sale	Jun 5, 2017 · Amount on File
Deed Document Number	2014011751
Deed Book / Page	D00787 / 578
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	559 FOREST LN, RICHMOND, KY 40475-3626
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01896/647
Date	Oct 24, 2019
Book Page	M01896/647
Instrument	2014001229

Lender

Name	MEMBERS HERITAGE FCU
Type	Credit Union
Address	LEXINGTON, KY 40511

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 23, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	559 FOREST LN, RICHMOND, KY 40475-3626
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2148/596
Date	Apr 6, 2022
Book Page	M2148/596
Instrument	2014085041

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 12, 2020
Property Address	559 FOREST LN, RICHMOND, KY 40475-3626
Document Number	D00787/578
Book / Page	D00787 / 578
Map Reference	CAB 17 SL 66
Instrument Date	Apr 21, 2020
Instrument	2014011751
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	559 FOREST LN, RICHMOND, KY 40475-3626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	559 FOREST LN, RICHMOND, KY 40475-3626

Mortgage

Document Number	2014011752
Date	May 12, 2020
Instrument	2014011752

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 5, 2017
Property Address	559 FOREST LN, RICHMOND, KY 40475-3626
Document Number	D00745/530
Book / Page	D00745 / 530
Map Reference	CAB 17 PGF66
Instrument Date	May 31, 2017
Instrument	2013959547
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2083 MENELAUS RD, BEREA, KY 40403-9747

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	559 FOREST LN, RICHMOND, KY 40475-3626

Mortgage

Document Number	2013959548
Date	Jun 5, 2017
Instrument	2013959548

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Mortgage

Document Number	M01745/311
Date	Jun 5, 2017
Book Page	M01745/311
Instrument	2013959549

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution
Address	PLANO, TX 75024

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 559 Forest Ln was $2,121 with an additional exemption.

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	$2,121.00 Additional exemption filed	$225,000	$225,000
2023	$2,182.00	$225,000	$225,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 559 Forest Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 559 Forest Ln is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.07% 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.

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 35 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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