Madison County property record for 646 Cherry Trace Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft |
| Lot Size | 1.03 acres (44,907 sqft) |
| Owner | Individual Name on File |
| Last Sale | $282,000 (Sep 2025) |
| Tax Bill | $2,216 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Oct 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0053-0002-0067 |
| Primary APN | 0053-0002-0067 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 44,907 sqft (1.03 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 67118 |
|---|---|
| Street Address | 646 CHERRY TRACE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY TRACE LOT 67 |
| Legal Subdivision | CHERRY TRACE |
| Legal Block | 2 |
| Legal Lot Number | 67 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 10104 |
Source: Madison County records · APN 0053-0002-0067
Assessment roll updated December 9, 2025 · Last verified April 2026
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 | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed, Transfer · Conventional Mortgage WESBANCO BANK INC |
| Oct 19, 2022 | Deed, Transfer · VA Mortgage WESBANCO BANK INC |
| Oct 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| May 05, 2020 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Nov 07, 2018 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 10, 2025 · Amount on Record |
| Deed Sale | Sep 10, 2025 · Amount on Record |
| Prior Sale | Oct 19, 2022 · Amount on Record |
| Deed Document Number | 202514284295 |
| Deed Book / Page | 872 / 792 |
| Prior Transfer Date | Nov 05, 2018 |
| Prior Transfer Doc | D00766/589 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 10, 2025 |
| Property Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 00D872/792 |
| Book / Page | D872 / 792 |
| Map Reference | MB 13 PG 149 |
| Instrument Date | Sep 09, 2025 |
| Instrument | 2014284295 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $282.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2755 WALNUT MEADOW RD, PAINT LICK, KY 40461-8563 |
| Name | Verified Name |
|---|---|
| Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 0M2408/463 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | M2408/463 |
| Instrument | 2014284298 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 19, 2022 |
| Property Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 00D830/459 |
| Book / Page | D830 / 459 |
| Map Reference | MB 13 PG 149 |
| Instrument Date | Oct 06, 2022 |
| Instrument | 2014116399 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $235.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 111 GARDEN CT, 111, SOUTH POINT, OH 45680-9346 |
| Name | Verified Name |
|---|---|
| Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 2014116400 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 2014116400 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2104/680 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | M2104/680 |
| Instrument | 2014061004 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 05, 2020 |
| Property Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | D00787/407 |
| Book / Page | D00787 / 407 |
| Map Reference | MB 13 PG 149 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 2014011432 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2036, RICHMOND, KY 40476-2036 |
| Name | Verified Name |
|---|---|
| Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 2014011433 |
|---|---|
| Date | May 05, 2020 |
| Instrument | 2014011433 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 07, 2018 |
| Property Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | D00766/589 |
| Book / Page | D00766 / 589 |
| Map Reference | MB13 PG149 |
| Instrument Date | Nov 05, 2018 |
| Instrument | 2013984415 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 2767 LANCASTER RD, 2767, RICHMOND, KY 40475-9651 |
| Name | Verified Name |
|---|---|
| Address | 646 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | 2013984416 |
|---|---|
| Date | Nov 07, 2018 |
| Instrument | 2013984416 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2048 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified April 2026
| 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 | $2,216.00 (-1.55%) | $235,000 (-) | $235,000 (-) |
| 2024 | $2,251.00 (-1.23%) | $235,000 (-) | $235,000 (-) |
| 2023 | $2,279.00 | $235,000 | $235,000 |
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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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