Madison County property record for 637 Cherry Trace Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,960 sqft |
| Lot Size | 1.05 acres (45,929 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,000 (Nov 2005) |
| Tax Bill | $2,612 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 0053-0002-0034 |
| Primary APN | 0053-0002-0034 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 1,960 sqft Living Area |
| 1st Floor Area | 1,225 sqft |
| Basement Area | 1,225 sqft |
| Unfinished Basement | 1,225 sqft |
| Architectural Style | Split Foyer |
|---|---|
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 45,929 sqft (1.05 acres) |
| Garage Type | Basement |
| Garage Area | 735 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 62559 |
|---|---|
| Street Address | 637 CHERRY TRACE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY TRACE LOT 34 |
| Legal Subdivision | CHERRY TRACE |
| Legal Block | 2 |
| Legal Lot Number | 34 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 10104 |
637 Cherry Trace Dr is owned and occupied by an individual who acquired it in May 2019.
Source: Madison County records, as of March 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 637 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| May 6, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2005 · Amount on File |
| Deed Sale | Nov 1, 2005 · Amount on File |
| Prior Sale | Feb 11, 2005 · Amount on File |
| Deed Document Number | 2005356164 |
| Deed Book / Page | 0598 / 454 |
| Last Transfer Date | May 1, 2019 |
| Transfer Doc | D00773/143 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 637 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 637 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 0M2447/596 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | M2447/596 |
| Instrument | 2014321830 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | HOPKINS, MN 55343 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2046 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 6, 2019 |
| Property Address | 637 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | D00773/143 |
| Book / Page | D00773 / 143 |
| Map Reference | MB 13 PG 149 |
| Instrument Date | May 1, 2019 |
| Instrument | 2013992018 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 527 LEIGHWAY DRA, 527, RICHMOND, KY 40475 |
| Name | Verified Name |
|---|---|
| Address | 637 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
The 2025 property tax bill for 637 Cherry Trace Dr was $2,612.
Source: Madison County assessment roll, as of December 9, 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 | $2,612.00 | $277,000 | $277,000 |
| 2023 | $2,686.00 | $277,000 | $277,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 637 Cherry Trace Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2014.
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 risk around 637 Cherry Trace Dr is low, with a 0.02% annual chance of 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 | Direct burnable vegetation |
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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