643 Oldham Ave, Richmond, KY 40475 Property Records

Madison County property record for 643 Oldham Ave, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	1,340 sqft
Owner	Individual Name on File
Last Sale	$207,900 (Jan 2022)
Tax Bill	$1,960 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0068-008B-0020`

Property Details

APN / Parcel Number

Primary APN	`0068-008B-0020`
Alternative APNs	`117548` `80617` `46948`

Interior

Stories	1 Story
Building Area	1,340 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	46948
Street Address	643 OLDHAM AVE
City	RICHMOND
State	KY
Zip	40475-8119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLDHAM PARK LOT 20
Legal Subdivision	OLDHAM
Legal Lot Number	20
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2001
Census Tract	10301

Owner

Source: Madison County assessment roll, as of April 1, 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 File
Mailing Address	643 OLDHAM AVE, RICHMOND, KY 40475-8119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Aug 1, 2019	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Aug 1, 2019 · Amount on Record
Deed Document Number	2014072528
Deed Book / Page	D817 / 251
Record Updated	Jun 8, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 13, 2022
Property Address	643 OLDHAM AVE, RICHMOND, KY 40475-8119
Document Number	00D817/251
Book / Page	D817 / 251
Map Reference	MB 15 PG 103
Instrument Date	Jan 5, 2022
Instrument	2014072528
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$208.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 OLDHAM AVE, RICHMOND, KY 40475-8119

Mortgage

Document Number	2014072529
Date	Jan 13, 2022
Instrument	2014072529

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 1, 2019
Property Address	643 OLDHAM AVE, RICHMOND, KY 40475-8119
Document Number	D00776/620
Book / Page	D00776 / 620
Map Reference	MB 15 PG 103
Instrument Date	Jul 30, 2019
Instrument	2013996432
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$153.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	281 TALON TRL, LONDON, KY 40744-6309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 OLDHAM AVE, RICHMOND, KY 40475-8119
Investor	Possibly a Property Investor

Mortgage

Document Number	2013996433
Date	Aug 1, 2019
Instrument	2013996433

Lender

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

Agreement

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

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 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	$1,960.00 (-2.78%) Additional exemption filed	$207,900 (-)	$207,900 (-)
2023	$2,016.00 (+35.48%)	$207,900 (+35.88%)	$207,900 (+35.88%)
2022	$1,488.00	$153,000	$153,000

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

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 Holdings 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 USA Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Oldham Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures