Madison County property record for 581 Concord Rd, Richmond, KY 40475
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Lot Size | 21.3 acres (929,570 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $744,000 (Jun 2021) |
| Tax Bill | $5,959 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0093-0000-0026-G |
| Primary APN | 0093-0000-0026-G |
|---|---|
| Alternative APNs |
|
| Lot Area | 929,570 sqft (21.3 acres) |
|---|
| Account Number | 63608 |
|---|---|
| Street Address | 581 CONCORD RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9013 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Legal Description | NEW TRACT G (21.34 ACRES) |
| Legal Tract | G |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 11001 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 581 CONCORD RD, RICHMOND, KY 40475-9013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 7, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| Jun 14, 2021 | Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2021 · Amount on Record |
| Deed Sale | Jun 14, 2021 · Amount on Record |
| Deed Document Number | 2014040998 |
| Deed Book / Page | D806 / 745 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 581 CONCORD RD, RICHMOND, KY 40475-9013 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 581 CONCORD RD, RICHMOND, KY 40475-9013 |
| Document Number | 0M2200/192 |
|---|---|
| Date | Nov 7, 2022 |
| Book Page | M2200/192 |
| Instrument | 2014118513 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Oct 18, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 14, 2021 |
| Property Address | 581 CONCORD RD, RICHMOND, KY 40475-9013 |
| Document Number | D806/745 |
| Book / Page | D806 / 745 |
| Map Reference | CAB 26 OG 210 |
| Instrument Date | May 24, 2021 |
| Instrument | 2014040998 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $744.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 563 BROOK SHIRE CT, 563, MECHANICSBURG, PA 17055-6225 |
| Name | Verified Name |
|---|---|
| Address | 581 CONCORD RD, RICHMOND, KY 40475-9013 |
| Document Number | 2014040999 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 2014040999 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
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 | $5,959.00 (+2.92%) Additional exemption filed | $632,000 (+5.86%) | $632,000 (+5.86%) |
| 2023 | $5,790.00 | $597,000 | $597,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T.
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