654 Cherry Trace Dr, Richmond, KY 40475 Property Records

Madison County property record for 654 Cherry Trace Dr, Richmond, KY 40475 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,186 sqft
Owner	Individual Name on File
Last Sale	$221,000 (Jun 2022)
Tax Bill	$2,084 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0053-0002-0065`

Property Details

APN / Parcel Number

Primary APN	`0053-0002-0065`
Alternative APNs	`125539` `88478` `55121`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,186 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	55121
Street Address	654 CHERRY TRACE DR
City	RICHMOND
State	KY
Zip	40475-8478
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRY TRACE LOT 65
Legal Subdivision	CHERRY TRACE
Legal Block	2
Legal Lot Number	65
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	3
Census Block	3019
Census Tract	10104

Owner

Source: Madison County records · APN 0053-0002-0065

Assessment roll updated April 1, 2025 · Last verified December 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	654 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Deed Document Number	2014095948
Deed Book / Page	D824 / 491
Record Updated	Jun 08, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 13, 2022
Property Address	654 CHERRY TRACE DR, RICHMOND, KY 40475-8478
Document Number	00D824/491
Book / Page	D824 / 491
Map Reference	MB 13PG 149
Instrument Date	Jun 10, 2022
Instrument	2014095948
Transaction Type	Transfer
Record Updated	Jun 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$221.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5067, LONDON, KY 40745-5067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 KENOVA TRCE, LEXINGTON, KY 40511-8855

Mortgage

Document Number	2014095949
Date	Jun 13, 2022
Instrument	2014095949

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Unified School District	Madison 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,084.00 (-2.75%) Additional exemption filed	$221,000 (-)	$221,000 (-)
2023	$2,143.00	$221,000	$221,000

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 7 individual NFIP policies nearby
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 in force 6 of 7 on primary residences
Nearby Flood Claims	5 (2014–2023)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jun 2023, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 4,348 per year
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.