Madison County property record for 609 Cherry Trace Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,392 sqft |
| Owner | 2 Individual Names on Record |
| Last Sale | $106,000 (Mar 1999) |
| Tax Bill | $1,838 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0053-0002-0023 |
| Primary APN | 0053-0002-0023 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Split Foyer |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Electric |
| Account Number | 71487 |
|---|---|
| Street Address | 609 CHERRY TRACE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY TRACE LOT 23 |
| Legal Subdivision | CHERRY TRACE |
| Legal Block | 2 |
| Legal Lot Number | 23 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 10104 |
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 | 609 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2024 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 23, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Jul 31, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 14, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 1999 · Amount on Record |
| Deed Sale | Mar 23, 1999 · Amount on Record |
| Deed Document Number | 0000050075 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 609 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 609 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 0M2291/528 |
|---|---|
| Date | Apr 5, 2024 |
| Book Page | M2291/528 |
| Instrument | 2014197757 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 14, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 609 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01998/313 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | M01998/313 |
| Instrument | 2014024672 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 6, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 609 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01964/20 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | M01964/20 |
| Instrument | 2014017184 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 609 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2018 |
| Name | Verified Name |
|---|
| Document Number | M01803/076 |
|---|---|
| Date | May 14, 2018 |
| Book Page | M01803/076 |
| Instrument | 2013975676 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $1,838.00 (-2.8%) Additional exemption filed | $195,000 (-) | $195,000 (-) |
| 2023 | $1,891.00 | $195,000 | $195,000 |
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 · 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 | 7 in force |
| Nearby Flood Claims | 5 (2014–2023) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Jun 2023 · rainfall accumulation |
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: 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 101 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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