626 Cherry Trace Dr, Richmond, KY 40475 Property Records

Madison County property record for 626 Cherry Trace Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,232 sqft
Lot Size	1.19 acres (52,142 sqft)
Owner	Individual Name on Record
Last Sale	$168,000 (Jul 2019)
Tax Bill	$1,772 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0053-0002-0075`

Property Details

APN / Parcel Number

Primary APN	`0053-0002-0075`
Alternative APNs	`135986` `98757` `65968`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,232 sqft Living Area
1st Floor Area	616 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	52,142 sqft (1.19 acres)
Garage Type	Basement
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	65968
Street Address	626 CHERRY TRACE DR
City	RICHMOND
State	KY
Zip	40475-8478
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRY TRACE LOT 75
Legal Subdivision	CHERRY TRACE
Legal Phase	2
Legal Block	2
Legal Lot Number	75
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	3
Census Block	3000
Census Tract	10104

Owner

Source: Madison County records, as of December 9, 2025

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	626 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARK COMMUNITY FCU
Jul 5, 2019	Deed, Transfer · Conventional Mortgage PNC BANK NA
Feb 22, 2019	Warranty Deed, Transfer · Commercial Mortgage WINTRUST BANK
Sep 27, 2017	Intrafamily Transfer, Transfer
Aug 31, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2019 · Amount on Record
Deed Sale	Jul 5, 2019 · Amount on Record
Prior Sale	Feb 22, 2019 · Amount on Record
Deed Document Number	20192013995115
Deed Book / Page	775 / 507
Prior Transfer Date	Sep 19, 2017
Prior Transfer Doc	D00750/655
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	626 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	NOT AVAILABLE, TUM KEY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2035/710
Date	Mar 24, 2021
Book Page	M2035/710
Instrument	2014032002

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 5, 2019
Property Address	626 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Document Number	D00775/507
Book / Page	D00775 / 507
Map Reference	MB 13 PG 149
Instrument Date	Jun 27, 2019
Instrument	2013995115
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 N 2ND ST, 230, RICHMOND, KY 40475-1408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 CHERRY TRACE DR, RICHMOND, KY 40475-8478

Mortgage

Document Number	2013995116
Date	Jul 5, 2019
Instrument	2013995116

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 22, 2019
Property Address	626 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Document Number	D00770/171
Book / Page	D00770 / 171
Map Reference	MB 13 PG 149
Instrument Date	Feb 19, 2019
Instrument	2013988635
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6928 W CHARTER OAK RD, 6928, PEORIA, AZ 85381-9545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 N 2ND ST, RICHMOND, KY 40475-1408

Mortgage

Document Number	2013988636
Date	Feb 22, 2019
Instrument	2013988636

Lender

Name	WINTRUST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 19, 2020

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Sep 27, 2017
Property Address	626 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Document Number	D00750/655
Book / Page	D00750 / 655
Map Reference	MB13 PG149
Instrument Date	Sep 19, 2017
Instrument	2013965411
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6928 W CHARTER OAK RD, PEORIA, AZ 85381-9545

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 31, 2017
Property Address	626 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Document Number	D00749/557
Book / Page	D00749 / 557
Map Reference	MB13 PG149
Instrument Date	Aug 21, 2017
Instrument	2013964164
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6941 W SUNNYSLOPE LN, 6941, PEORIA, AZ 85345-8865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6928 W CHARTER OAK RD, PEORIA, AZ 85381-9545

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	$1,772.00 (-2.8%)	$188,000 (-)	$188,000 (-)
2023	$1,823.00	$188,000	$188,000

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 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.

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	0.03% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

626 Cherry Trace Dr, Richmond, KY 40475 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2017: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cherry Trace Dr

Nearby Streets

Search Property Records by Address or Parcel Number