Madison County property record for 605 Cherry Trace Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,232 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $138,500 (Jul 2002) |
| Tax Bill | $1,309 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0053-0002-0022 |
| Primary APN | 0053-0002-0022 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Split Foyer |
|---|---|
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 76750 |
|---|---|
| Street Address | 605 CHERRY TRACE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY TRACE LOT 22 |
| Legal Subdivision | CHERRY TRACE |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 10104 |
Source: Madison County records · APN 0053-0002-0022
Assessment roll updated April 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 605 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 09, 2026 | Deed of Trust, Mortgage · VA Mortgage PEOPLES BANK AND TRUST COMPANY |
| Jun 11, 2025 | Deed of Trust, Mortgage · VA Mortgage PEOPLES BANK & TRUST CO |
| Apr 02, 2021 | Deed of Trust, Mortgage · VA Mortgage HSLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 19, 2002 · Amount on Record |
| Deed Sale | Jul 19, 2002 · Amount on Record |
| Deed Document Number | 0000546286 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 09, 2026 |
| Property Address | 605 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 0014337666 |
| Book / Page | 2458 / 526 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 202614337666 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 605 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 0014337666, |
|---|---|
| Date | Apr 09, 2026 |
| Book Page | 2458/526 |
| Instrument | 202614337666 |
| Name | PEOPLES BANK AND TRUST COMPANY |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 605 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Title Company | UNKNOWN, LAND GROUP TITLE |
| Name | Verified Name |
|---|---|
| Address | 605 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 0M2385/332 |
|---|---|
| Date | Jun 11, 2025 |
| Book Page | M2385/332 |
| Instrument | 2014266558 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HAZARD, KY 41701 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 605 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2039/214 |
|---|---|
| Date | Apr 02, 2021 |
| Book Page | M2039/214 |
| Instrument | 2014032692 |
| Name | HSLC |
|---|---|
| Type | Private Party |
| Address | KENTON, OH 43326 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,309.00 (-4.73%) Homeowner's exemption | $188,000 (-) | $188,000 (-) |
| 2023 | $1,374.00 Homeowner's exemption | $188,000 | $188,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 7 in force |
| Nearby Flood Claims | 5 (2014–2023) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Jun 2023 · rainfall accumulation |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 101 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MADISON CO UTILITIES DISTRICT serves 25,120 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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