649 Oldham Ave, Richmond, KY 40475 Property Records

Madison County property record for 649 Oldham Ave, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	1,180 sqft
Owner	Individual Name on Record
Last Sale	$123,500 (Jun 2018)
Tax Bill	$1,273 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0068-008B-0023`

Property Details

APN / Parcel Number

Primary APN	`0068-008B-0023`
Alternative APNs	`119816` `82836` `49274`

Interior

Stories	1 Story
Building Area	1,180 sqft Living Area

Exterior

Exterior Material	Brick Veneer

Location & Zoning

Account Number	49274
Street Address	649 OLDHAM AVE
City	RICHMOND
State	KY
Zip	40475-8119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLDHAM PARK LOT 23
Legal Subdivision	OLDHAM
Legal Lot Number	23
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2001
Census Tract	10301

Owner

Source: Madison County records, as of December 8, 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	649 OLDHAM AVE, RICHMOND, KY 40475-8119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jun 27, 2018	Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Prior Sale	Jan 24, 2007 · Amount on Record
Deed Document Number	2013977879
Deed Book / Page	D00761 / 243
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	649 OLDHAM AVE, RICHMOND, KY 40475-8119
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2170/667
Date	Jun 28, 2022
Book Page	M2170/667
Instrument	2014098077

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2042

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 27, 2018
Property Address	649 OLDHAM AVE, RICHMOND, KY 40475-8119
Document Number	D00761/243
Book / Page	D00761 / 243
Map Reference	MB15 PG103
Instrument Date	Jun 25, 2018
Instrument	2013977879
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	$123.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 N BROOKHAVEN DR, 210, SOMERSET, KY 42501-1131

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 OLDHAM AVE, RICHMOND, KY 40475-8119

Mortgage

Document Number	2013977880
Date	Jun 27, 2018
Instrument	2013977880

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$1,273.00 (+6.35%) Additional exemption filed	$135,000 (+9.31%)	$135,000 (+9.31%)
2023	$1,197.00 (-0.33%)	$123,500 (-)	$123,500 (-)
2022	$1,201.00	$123,500	$123,500

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

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	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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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