709 Sage Dr, Richmond, KY 40475 Property Records

Madison County property record for 709 Sage Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,488 sqft
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$227,000 (Nov 2020)
Tax Bill	$2,593 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0068-0002-0084`

Property Details

APN / Parcel Number

Primary APN	`0068-0002-0084`
Alternative APNs	`107036` `144369` `74536`

Interior

Stories	2 Stories
Building Area	2,488 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	74536
Street Address	709 SAGE DR
City	RICHMOND
State	KY
Zip	40475-8315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LOT 84
Legal Subdivision	FIELDSTONE
Legal Block	1
Legal Lot Number	84
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1012
Census Tract	10301

Owner

709 Sage Dr is owned and occupied by an individual who bought it in November 2020.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	709 SAGE DR, RICHMOND, KY 40475-8315
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed, Transfer · VA Mortgage STOCKTON MORTGAGE CORP
Jun 23, 2020	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Oct 25, 2006 · Amount on File
Deed Document Number	2014023508
Deed Book / Page	D00796 / 511
Record Updated	Jun 8, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 4, 2020
Property Address	709 SAGE DR, RICHMOND, KY 40475-8315
Document Number	D00796/511
Book / Page	D00796 / 511
Map Reference	CAB 21 PG 232
Instrument Date	Nov 2, 2020
Instrument	2014023508
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2190 LANCASTER RD, 2190, RICHMOND, KY 40475-8824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 SAGE DR, RICHMOND, KY 40475-8315

Mortgage

Document Number	2014023509
Date	Nov 4, 2020
Instrument	2014023509

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Mortgage

Document Number	0M01993/45
Date	Nov 4, 2020
Book Page	M01993/45
Instrument	2014023510

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2030

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	709 SAGE DR, RICHMOND, KY 40475-8315
Transaction Type	Mortgage
Record Updated	Jul 2, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01951/431
Date	Jun 23, 2020
Book Page	M01951/431
Instrument	2014014522

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 22, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 709 Sage Dr was $2,593 with an additional exemption.

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	$2,593.00 Additional exemption filed	$275,000	$275,000
2023	$2,231.00 (-0.27%)	$230,000 (-)	$230,000 (-)
2022	$2,237.00	$230,000	$230,000

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

Flood

FEMA maps place 709 Sage Dr in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 709 Sage Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 93 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 in parts of the area	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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