602 Oldham Ave, Richmond, KY 40475 Property Records

Madison County property record for 602 Oldham Ave, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	1,008 sqft
Lot Size	0.206 acres (8,993 sqft)
Owner	Individual Name on Record
Last Sale	$198,000 (Jul 2025)
Tax Bill	$1,452 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Jul 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R014-0001-0004`

Property Details

APN / Parcel Number

Primary APN	`R014-0001-0004`
Alternative APNs	`108637` `145983` `44064`

Interior

Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Lot Area	8,993 sqft (0.206 acres)

Location & Zoning

Account Number	44064
Street Address	602 OLDHAM AVE
City	RICHMOND
State	KY
Zip	40475-8702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRAZEWOOD LOT 4 BLK A
Legal Subdivision	FRAZEWOOD
Legal Block	A
Legal Lot Number	4
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2004
Census Tract	10301

Owner

Source: Madison County records, as of August 18, 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	602 OLDHAM AVE, RICHMOND, KY 40475-8702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LEXINGTON-FAYETTE URBAN COUNTY GOV
Jul 3, 2025	Deed, Transfer · FHA Mortgage LUMINATE BANK
Jun 3, 2022	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Sep 9, 2020	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2025 · Amount on Record
Deed Sale	Jul 3, 2025 · Amount on Record
Prior Sale	Jun 3, 2022 · Amount on Record
Deed Document Number	202514270807
Deed Book / Page	869 / 735
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	602 OLDHAM AVE, RICHMOND, KY 40475-8702
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 OLDHAM AVE, RICHMOND, KY 40475-8702

Mortgage

Document Number	0M2391/688
Date	Jul 3, 2025
Book Page	M2391/688
Instrument	2014270831

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2035

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 3, 2025
Property Address	602 OLDHAM AVE, RICHMOND, KY 40475-8702
Document Number	00D869/735
Book / Page	D869 / 735
Map Reference	MB 5 PG 313
Instrument Date	Jul 2, 2025
Instrument	2014270807
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	147 JACK DR, BARDSTOWN, KY 40004-2343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 OLDHAM AVE, RICHMOND, KY 40475-8702

Mortgage

Document Number	0M2391/667
Date	Jul 3, 2025
Book Page	M2391/667
Instrument	2014270810

Lender

Name	LUMINATE BANK
Type	Bank
Address	MINNEAPOLIS, MN 55405

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 3, 2022
Property Address	602 OLDHAM AVE, RICHMOND, KY 40475-8702
Document Number	00D824/153
Book / Page	D824 / 153
Map Reference	MB 5 PG 313
Instrument Date	May 27, 2022
Instrument	2014094681
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1196 WILLIS BRANCH RD, RICHMOND, KY 40475-8741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 OLDHAM AVE, RICHMOND, KY 40475-8702

Mortgage

Document Number	2014094682
Date	Jun 3, 2022
Instrument	2014094682

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

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

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 9, 2020
Property Address	602 OLDHAM AVE, RICHMOND, KY 40475-8702
Document Number	D00793/793
Book / Page	D00793 / 793
Map Reference	MB 5 PG 313
Instrument Date	Aug 31, 2020
Instrument	2014019928
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2618 DOYLESVILLE RD, RICHMOND, KY 40475-7601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	602 OLDHAM AVE, RICHMOND, KY 40475-8702

Mortgage

Document Number	2014019929
Date	Sep 9, 2020
Instrument	2014019929

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,452.00 (-2.75%)	$154,000 (-)	$154,000 (-)
2023	$1,493.00 (+86.16%)	$154,000 (+25.2%)	$154,000 (+25.2%)
2022	$802.00 Homeowner's exemption	$123,000	$123,000

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	8 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, 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

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	0.01% annual chance
Exposure	None beyond 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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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