587 Regency Cir, Richmond, KY 40475 Property Records

Madison County property record for 587 Regency Cir, Richmond, KY 40475

Property Summary

Property Type	Condominium
Details	1,981 sqft
Owner	Individual Name on Record
Last Sale	$215,000 (Jul 2022)
Tax Bill	$1,564 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0018-0581-2`

Property Details

APN / Parcel Number

Primary APN	`0068-0018-0581-2`
Alternative APNs	`135275` `98054` `65250`

Interior

Stories	1 Story
Building Area	1,981 sqft Living Area

Exterior

Architectural Style	Condo/Apartment
Exterior Material	Brick
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	65250
Street Address	587 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 581 UNIT 2
Legal Subdivision	VILLAGE OF LAKE REBA
Legal Tract	2
Legal Lot Number	581
Legal Unit	2
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1007
Census Tract	10303

Owner

Source: Madison County records, as of May 1, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	587 REGENCY CIR, RICHMOND, KY 40475-8257
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 17, 2023	Intrafamily Transfer, Transfer
Jul 8, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Aug 14, 2020	Deed, Transfer
Aug 14, 2020	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	202214100359
Deed Book / Page	825 / 752
Last Transfer Date	Apr 14, 2023
Transfer Doc	000D837/69
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 17, 2026
Property Address	587 REGENCY CIR, RICHMOND, KY 40475-8257
Document Number	0014340933
Book / Page	881 / 439
Instrument Date	Apr 9, 2026
Instrument	202614340933
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	587 REGENCY CIR, RICHMOND, KY 40475-8257

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Apr 17, 2023
Property Address	587 REGENCY CIR, RICHMOND, KY 40475-8257
Document Number	000D837/69
Book / Page	D837 / 69
Map Reference	MB 617 PG 523
Instrument Date	Apr 14, 2023
Instrument	2014140400
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	587 REGENCY CIR, RICHMOND, KY 40475-8257

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jul 8, 2022
Property Address	587 REGENCY CIR, RICHMOND, KY 40475-8257
Document Number	00D825/752
Book / Page	D825 / 752
Map Reference	CAB 23 SL 246
Instrument Date	Jun 29, 2022
Instrument	2014100359
Transaction Type	Transfer
Record Updated	Jul 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Redemption Amount
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	177 LINCOLN AVE, 177, LEXINGTON, KY 40502-1513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	587 REGENCY CIR, RICHMOND, KY 40475-8257

Mortgage

Document Number	2014100360
Date	Jul 8, 2022
Instrument	2014100360

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10%
Index	1-Year CMT
Max Rate	10%

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 14, 2020
Property Address	587 REGENCY CIR, RICHMOND, KY 40475-8257
Document Number	D00792/496
Book / Page	D00792 / 496
Map Reference	CAB 23 SL 246
Instrument Date	May 18, 2020
Instrument	2014018112
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount Recorded
Tax	$125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	191 GRIGGS RD, 191, WACO, KY 40385-9705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 LINCOLN AVE, LEXINGTON, KY 40502-1513

August 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MADISON KY
Recording Date	Aug 14, 2020
Property Address	587 REGENCY CIR, RICHMOND, KY 40475-8257
Document Number	D00792/484
Book / Page	D00792 / 484
Map Reference	CAB 23 SL 246
Instrument Date	May 10, 2020
Instrument	2014018108
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 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	$1,564.00 (-4.34%) Homeowner's exemption	$215,000 (-)	$215,000 (-)
2023	$1,635.00 Homeowner's exemption	$215,000	$215,000

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

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

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	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.

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