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649 Cherry Trace Dr, Richmond, KY 40475 Property Records

Madison County property record for 649 Cherry Trace Dr, Richmond, KY 40475 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,175 sqft
Lot Size1.06 acres (46,391 sqft)
Owner2 Individual Names on File
Tax Bill$1,697 (2025)
Deeds & MortgagesMay 2020 Mortgage
Jul 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN0053-0002-0042

Property Details

APN / Parcel Number

Primary APN0053-0002-0042
Alternative APNs
  • 110313
  • 73526
  • 39516

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Building Area1,175 sqft Living Area
1st Floor Area546 sqft
Basement Area546 sqft
Unfinished Basement546 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Architectural StyleSplit Foyer
Exterior MaterialBrick
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area46,391 sqft (1.06 acres)
Garage TypeBasement
Garage Area546 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number39516
Street Address649 CHERRY TRACE DR
CityRICHMOND
StateKY
Zip40475-8478
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCHERRY TRACE LOT 42
Legal SubdivisionCHERRY TRACE
Legal Phase2
Legal Block2
Legal Lot Number42
JurisdictionMADISON KY
Township / Civil DivisionBOONESBOROUGH-WHITE HALL
Census Block Group3
Census Block3020
Census Tract10104

Owner

Source: Madison County records · APN 0053-0002-0042

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 Record2 Individual Names on File
Mailing Address649 CHERRY TRACE DR, RICHMOND, KY 40475-8478
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 18, 2020Deed of Trust, Mortgage · FHA Mortgage
ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 03, 2018Deed of Trust, Mortgage · FHA Mortgage
ARK-LA-TEX FINANCE SERVICES LLC
Oct 24, 2017Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record UpdatedJun 08, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address649 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM01939/657
DateMay 18, 2020
Book PageM01939/657
Instrument2014012134
Lender
NameARK-LA-TEX FINANCIAL SERVICES LLC
TypeMortgage Company
AddressPLANO, TX 75024
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2050

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address649 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM01812/228
DateJul 03, 2018
Book PageM01812/228
Instrument2013978187
Lender
NameARK-LA-TEX FINANCE SERVICES LLC
TypeLending Institution
AddressPLANO, TX 75024
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2048

October 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMADISON KY
Recording DateOct 24, 2017
Property Address649 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Document NumberD00751/689
Book / PageD00751 / 689
Map ReferenceMB13 PG149
Instrument2013966729
Transaction TypeTransfer
Record UpdatedDec 17, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address649 CHERRY TRACE DR, 649, RICHMOND, KY 40475-8478

Transferred To (Grantee/Buyer)

NameVerified Name
Address649 CHERRY TRACE DR, RICHMOND, KY 40475-8478

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyMadison County
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,697.00 (-2.81%)$180,000 (-)$180,000 (-)
2023$1,746.00$180,000$180,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510101043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims5 (2014–2023)
Claims Outside the SFHA1 of 5
Most Recent ClaimJun 2023, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 3,846 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 78 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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