731 Sage Ct, Richmond, KY 40475 Property Records

Madison County property record for 731 Sage Ct, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,171 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Aug 2024)
Tax Bill	$3,017 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0002-0128`

Property Details

APN / Parcel Number

Primary APN	`0068-0002-0128`
Alternative APNs	`121437` `84434` `75166`

Interior

Stories	2 Stories
Building Area	2,171 sqft Living Area

Exterior

Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	75166
Street Address	731 SAGE CT
City	RICHMOND
State	KY
Zip	40475-8316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LOT 128
Legal Subdivision	FIELDSTONE
Legal Block	1
Legal Lot Number	128
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1013
Census Tract	10301

Owner

731 Sage Ct is owned and occupied by two individuals who bought it in August 2024.

Source: Madison County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	731 SAGE CT, RICHMOND, KY 40475-8316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 22, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Aug 14, 2024	Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Dec 4, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
May 28, 2020	Deed, Transfer
Oct 4, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2024 · Amount on File
Deed Sale	Aug 14, 2024 · Amount on File
Prior Sale	May 28, 2020 · Amount on File
Deed Document Number	202414217104
Deed Book / Page	856 / 151
Prior Transfer Date	Oct 2, 2019
Prior Transfer Doc	D00779/421
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Apr 22, 2026
Property Address	731 SAGE CT, RICHMOND, KY 40475-8316
Document Number	0014341578
Book / Page	2461 / 289
Instrument Date	Apr 14, 2026
Instrument	202614341578
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 SAGE CT, RICHMOND, KY 40475-8316
Investor	Possibly a Property Investor

Mortgage

Document Number	0014341578,
Date	Apr 22, 2026
Book Page	2461/289
Instrument	202614341578

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Oct 1, 2054

Interest

Rate	6.22%
Max Rate	-1%

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 14, 2024
Property Address	731 SAGE CT, RICHMOND, KY 40475-8316
Document Number	00D856/151
Book / Page	D856 / 151
Map Reference	CAB 23 PG 101
Instrument Date	Aug 12, 2024
Instrument	2014217104
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 PATRIOT TRL, BEREA, KY 40403-8855

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	731 SAGE CT, RICHMOND, KY 40475-8316

Mortgage

Document Number	2014217107
Date	Aug 14, 2024
Instrument	2014217107

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	731 SAGE CT, RICHMOND, KY 40475-8316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M02001/707
Date	Dec 4, 2020
Book Page	M02001/707
Instrument	2014025286

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 25, 2050

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 28, 2020
Property Address	731 SAGE CT, RICHMOND, KY 40475-8316
Document Number	D00788/370
Book / Page	D00788 / 370
Map Reference	CAB 23 PG 101
Instrument Date	May 13, 2020
Instrument	2014012831
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Tax	$187.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 PALOMINO DR, 304, RICHMOND, KY 40475-8673

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 SAGE CT, RICHMOND, KY 40475-8316

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON KY
Recording Date	Oct 4, 2019
Property Address	731 SAGE CT, RICHMOND, KY 40475-8316
Document Number	D00779/421
Book / Page	D00779 / 421
Map Reference	CAB 23 PG 101
Instrument Date	Oct 2, 2019
Instrument	2013999985
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 SAGE CT, RICHMOND, KY 40475-8316

Tax Assessment & Valuation

The 2025 property tax bill for 731 Sage Ct was $3,017.

Source: Madison County assessment roll, as of December 9, 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	$3,017.00	$320,000	$320,000
2023	$1,818.00 (-0.33%)	$187,465 (-)	$187,465 (-)
2022	$1,824.00	$187,465	$187,465

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

Flood

FEMA maps place 731 Sage Ct 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 731 Sage Ct 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

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	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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