Madison County property record for 580 E Ridge Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.48 acres (108,029 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Jun 2018) |
| Tax Bill | $1,980 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0038-0003-0082 |
| Primary APN | 0038-0003-0082 |
|---|---|
| Alternative APNs |
|
| Lot Area | 108,029 sqft (2.48 acres) |
|---|
| Account Number | 56371 |
|---|---|
| Street Address | 580 E RIDGE RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSWEET TRACT 52 (2.48 ACRES) |
| Legal Subdivision | SUNSWEET |
| Legal Tract | 52 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10103 |
580 E Ridge Rd is owned and occupied by an individual who acquired it in February 2021.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 580 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 |
|---|---|
| Aug 5, 2019 | Deed of Trust, Mortgage · Commercial Mortgage WINFIRST BANK |
| Feb 3, 2021 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 14, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2018 · Amount on File |
| Deed Sale | Jun 14, 2018 · Amount on File |
| Prior Sale | Jun 14, 2018 · Amount on File |
| Deed Document Number | D00760/568 |
| Deed Book / Page | D00760 / 568 |
| Last Transfer Date | Feb 3, 2021 |
| Transfer Doc | 00D800/614 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 580 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | M01879/311 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | M01879/311 |
| Instrument | 2013996597 |
| Name | WINFIRST BANK |
|---|---|
| Type | Bank |
| Address | WINCHESTER, KY 40391 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 191 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 3, 2021 |
| Property Address | 580 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Document Number | 00D800/614 |
| Book / Page | D800 / 614 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 2014028839 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 1006 COR LON WAY, 1006, CORBIN, KY 40701-8706 |
| Name | Verified Name |
|---|---|
| Address | 580 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Document Number | 2014028841 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 2014028841 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 14, 2018 |
| Property Address | 580 E RIDGE RD, RICHMOND, KY 40475-8421 |
| Document Number | D00760/568 |
| Book / Page | D00760 / 568 |
| Instrument Date | Jun 11, 2018 |
| Instrument | 2013977246 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $270.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 WHITE VALLEY DR, 104, RICHMOND, KY 40475-9104 |
| Name | Verified Name |
|---|---|
| Address | 1006 COR LON WAY, CORBIN, KY 40701-8706 |
The 2025 property tax bill for 580 E Ridge Rd was $1,980 with an additional 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 | $1,980.00 Additional exemption filed | $210,000 | $210,000 |
| 2023 | $2,037.00 | $210,000 | $210,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 580 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 580 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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