577 Regency Cir, Richmond, KY 40475 Property Records

Madison County property record for 577 Regency Cir, Richmond, KY 40475

Property Summary

Property Type	Condominium
Details	1,480 sqft
Owner	Company Name on File
Last Sale	$6,360,000 (Jun 2025)
Tax Bill	$1,933 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0018-0577-1`

Property Details

APN / Parcel Number

Primary APN	`0068-0018-0577-1`
Alternative APNs	`104916` `142242` `50100`

Interior

Stories	1 Story
Building Area	1,480 sqft Living Area

Exterior

Exterior Material	Brick
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	50100
Street Address	577 REGENCY CIR
City	RICHMOND
State	KY
Zip	40475-8257
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLAGE OF LAKE REBA LOT 577 UNIT 1
Legal Subdivision	VILLAGE OF LAKE REBA
Legal Lot Number	577
Legal Unit	1
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1007
Census Tract	10303

Owner

Source: Madison County assessment roll, as of April 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	838 E HIGH ST, LEXINGTON, KY 40502-2107
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2025	Deed, Transfer · Unknown COMMONWEALTH CREDIT UNION
Mar 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Oct 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 13, 2025 · Amount on Record
Deed Sale	Jun 13, 2025 · Amount on Record
Deed Document Number	2014267384
Deed Book / Page	D868 / 737
Record Updated	Jun 8, 2026

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 13, 2025
Property Address	577 REGENCY CIR, RICHMOND, KY 40475-8257
Document Number	00D868/737
Book / Page	D868 / 737
Map Reference	CAB 24 SL 107
Instrument Date	Jun 12, 2025
Instrument	2014267384
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	838 E HIGH ST, LEXINGTON, KY 40502-2107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 E HIGH ST # 251, LEXINGTON, KY 40502-2107
Investor	Possibly a Property Investor

Mortgage

Document Number	2014267385
Date	Jun 13, 2025
Instrument	2014267385

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union

Agreement

Type	Unknown
Amount	Amount Recorded
Term	120 Months
Due	Jun 12, 2035

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	577 REGENCY CIR, RICHMOND, KY 40475-8257
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01795/162
Date	Mar 27, 2018
Book Page	M01795/162
Instrument	2013973452

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Feb 20, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	577 REGENCY CIR, RICHMOND, KY 40475-8257
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01770/456
Date	Oct 19, 2017
Book Page	M01770/456
Instrument	2013966532

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Sep 20, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,933.00 (+59.49%) Additional exemption filed	$205,000 (+64%)	$205,000 (+64%)
2023	$1,212.00 (-0.33%)	$125,000 (-)	$125,000 (-)
2022	$1,216.00	$125,000	$125,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	3 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	0.02% annual chance
Exposure	Indirect within ember reach

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 221 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Metronet Holdings.

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