754 N 3rd St, Richmond, KY 40475 Property Records

Madison County property record for 754 N 3rd St, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	1,288 sqft
Owner	Individual Name on File
Last Sale	$172,900 (Jul 2023)
Tax Bill	$1,630 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R007-0001-0003`

Property Details

APN / Parcel Number

Primary APN	`R007-0001-0003`
Alternative APNs	`111000` `90084` `40211`

Interior

Stories	1 Story
Building Area	1,288 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Garage Type	Mixed
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	40211
Street Address	754 N 3RD ST
City	RICHMOND
State	KY
Zip	40475-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESC
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1035
Census Tract	10202

Owner

Source: Madison County assessment roll, as of April 1, 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
Co-owner	Verified Secondary Owner
Mailing Address	754 N 3RD ST, RICHMOND, KY 40475-1214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Mar 30, 2021	Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO
Aug 9, 2018	Deed of Trust, Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Aug 9, 2018	Deed, Transfer · FHA Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 10, 2023 · Amount on Record
Deed Sale	Jul 10, 2023 · Amount on Record
Prior Sale	Mar 30, 2021 · Amount on Record
Deed Document Number	2014155361
Deed Book / Page	D840 / 531
Record Updated	Jun 8, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 10, 2023
Property Address	754 N 3RD ST, RICHMOND, KY 40475-1214
Document Number	00D840/531
Book / Page	D840 / 531
Instrument Date	May 31, 2023
Instrument	2014155361
Transaction Type	Transfer
Record Updated	Aug 3, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1100 SOUTH POPLAR AVENUE CORBIN KY, CORBIN, KY 40701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	754 N 3RD ST, RICHMOND, KY 40475-1214

Mortgage

Document Number	2014155362
Date	Jul 10, 2023
Instrument	2014155362

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2053

Mortgage

Document Number	0M2245/233
Date	Jul 10, 2023
Book Page	M2245/233
Instrument	2014155363

Lender

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

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	119 Months
Due	Jun 1, 2033

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 30, 2021
Property Address	754 N 3RD ST, RICHMOND, KY 40475-1214
Document Number	00D802/787
Book / Page	D802 / 787
Instrument Date	Mar 26, 2021
Instrument	2014032430
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	754 N 3RD ST, 754, RICHMOND, KY 40475-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	754 N 3RD ST, RICHMOND, KY 40475-1214

Mortgage

Document Number	2014032431
Date	Mar 30, 2021
Instrument	2014032431

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	754 N 3RD ST, RICHMOND, KY 40475-1214
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01818/149
Date	Aug 9, 2018
Book Page	M01818/149
Instrument	2013979948

Lender

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

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2028

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 9, 2018
Property Address	754 N 3RD ST, RICHMOND, KY 40475-1214
Document Number	D00763/061
Book / Page	D00763 / 061
Instrument Date	Aug 7, 2018
Instrument	2013979946
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 WHITLOCK RD, 424, RICHMOND, KY 40475-9413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	754 N THIRED ST, RICHMOND, KY 40475

Mortgage

Document Number	2013979947
Date	Aug 9, 2018
Instrument	2013979947

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency

Agreement

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

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,630.00 (+29.37%) Additional exemption filed	$172,900 (+33.1%)	$172,900 (+33.1%)
2023	$1,260.00 (-0.24%)	$129,900 (-)	$129,900 (-)
2022	$1,263.00	$129,900	$129,900

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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile USA.

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