Madison County property record for 569 E Ridge Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,630 sqft |
| Lot Size | 1.15 acres (50,140 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Aug 2026) |
| Tax Bill | $2,216 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Dec 2021 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0038-0003-0092-A |
| Primary APN | 0038-0003-0092-A |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,630 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 50,140 sqft (1.15 acres) |
| Account Number | 41269 |
|---|---|
| Street Address | 569 E RIDGE RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSWEET TRACT 51-G |
| Legal Subdivision | SUNSWEET |
| Legal Tract | 51 |
| Legal Lot Number | 51G |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10103 |
569 E Ridge Rd is owned and occupied by two individuals who bought it in August 2026.
Source: Madison County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Aug 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage PRIME LENDING |
| Dec 17, 2021 | Deed, Transfer · Conventional Mortgage WESBANCO BANK INC |
| Mar 25, 2021 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Sep 19, 2018 | Deed of Trust, Mortgage · FHA Mortgage LEADER ONE FINANCIAL CORP |
| Apr 22, 2020 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Sep 19, 2018 | Intrafamily Transfer, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2026 · Amount on File |
| Deed Sale | Aug 3, 2026 · Amount on File |
| Prior Sale | Dec 17, 2021 · Amount on File |
| Deed Document Number | 202614366285 |
| Deed Book / Page | 886 / 422 |
| Prior Transfer Date | Sep 18, 2018 |
| Prior Transfer Doc | D00764/614 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 3, 2026 |
| Property Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Document Number | 0014366285 |
| Book / Page | 886 / 422 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202614366285 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2026 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24,240.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Document Number | 0014366286, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 202614366286 |
| Name | PRIME LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0014366287, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 2489/514 |
| Instrument | 202614366287 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 15 Months |
| Due | Aug 1, 2041 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 17, 2021 |
| Property Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Document Number | 00D815/709 |
| Book / Page | D815 / 709 |
| Instrument Date | Dec 14, 2021 |
| Instrument | 2014069107 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $235.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 362 OPOSSUM KINGDOM RD, 362, BEREA, KY 40403-9514 |
| Name | Verified Name |
|---|---|
| Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Document Number | 2014069108 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 2014069108 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | M2036/397 |
|---|---|
| Date | Mar 25, 2021 |
| Book Page | M2036/397 |
| Instrument | 2014032111 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M01824/770 |
|---|---|
| Date | Sep 19, 2018 |
| Book Page | M01824/770 |
| Instrument | 2013982141 |
| Name | LEADER ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | OVERLAND PARK, KS 66210 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2020 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | M01934/99 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | M01934/99 |
| Instrument | 2014010743 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 19, 2018 |
| Property Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Document Number | D00764/614 |
| Book / Page | D00764 / 614 |
| Instrument Date | Sep 18, 2018 |
| Instrument | 2013982140 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Tax | $162.50 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 85 SPALDING TRL, 85, SANDY SPRINGS, GA 30328-1068 |
| Name | Verified Name |
|---|---|
| Address | 569 E RIDGE RD, RICHMOND, KY 40475-8421 |
The 2025 property tax bill for 569 E Ridge Rd was $2,216.
Source: Madison County assessment roll, as of December 9, 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 | $2,216.00 | $235,000 | $235,000 |
| 2023 | $2,279.00 | $235,000 | $235,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 569 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 569 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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