Madison County property record for 653 Cherry Trace Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft |
| Lot Size | 1.04 acres (45,477 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $183,900 (May 2018) |
| Tax Bill | $1,895 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0053-0002-0043 |
| Primary APN | 0053-0002-0043 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 45,477 sqft (1.04 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 47390 |
|---|---|
| Street Address | 653 CHERRY TRACE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY TRACE LOT 43 |
| Legal Subdivision | CHERRY TRACE |
| Legal Lot Number | 43 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 10104 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 653 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 30, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMONWEALTH CREDIT UNION |
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| May 23, 2018 | Deed, Transfer · FHA Mortgage REPUBLIC STATE MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2018 · Amount on Record |
| Deed Sale | May 23, 2018 · Amount on Record |
| Prior Sale | Apr 7, 2009 · Amount on Record |
| Deed Document Number | 2013976177 |
| Deed Book / Page | D00759 / 574 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 653 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2441/518 |
|---|---|
| Date | Jan 30, 2026 |
| Book Page | M2441/518 |
| Instrument | 2014314806 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 653 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0M2066/396 |
|---|---|
| Date | Jun 23, 2021 |
| Book Page | M2066/396 |
| Instrument | 2014042183 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 23, 2018 |
| Property Address | 653 CHERRY TRACE DR, RICHMOND, KY 40475-8478 |
| Document Number | D00759/574 |
| Book / Page | D00759 / 574 |
| Map Reference | MB13 PG149 |
| Instrument Date | May 18, 2018 |
| Instrument | 2013976177 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4504 MARAI FDR, 4504, LEXINGTON, KY 40515 |
| Name | Verified Name |
|---|---|
| Address | 256 ZANDALE DR, LEXINGTON, KY 40503-2645 |
| Document Number | 2013976178 |
|---|---|
| Date | May 23, 2018 |
| Instrument | 2013976178 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
Source: Madison County assessment roll, as of April 1, 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 | $1,895.00 (-2.77%) Additional exemption filed | $201,000 (-) | $201,000 (-) |
| 2023 | $1,949.00 | $201,000 | $201,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.03% 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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