765 Concord Rd, Richmond, KY 40475 Property Records

Madison County property record for 765 Concord Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,250 (Dec 1992)
Tax Bill	$518 (2025)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0093-0000-0025-A`

Property Details

APN / Parcel Number

Primary APN	`0093-0000-0025-A`
Alternative APNs	`109892` `73118` `39073`

Exterior

Lot Area	67,082 sqft (1.54 acres)

Location & Zoning

Account Number	39073
Street Address	765 CONCORD RD
City	RICHMOND
State	KY
Zip	40475-9248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.54 ACRES
Jurisdiction	MADISON KY
Township / Civil Division	WACO-BYBEE
Census Block Group	3
Census Block	3000
Census Tract	11001

Owner

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	2 Individual Names on Record
Mailing Address	765 CONCORD RD, RICHMOND, KY 40475-9248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 1992 · Amount on Record
Deed Sale	Dec 10, 1992 · Amount on Record
Deed Document Number	0000428411
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	765 CONCORD RD, RICHMOND, KY 40475-9248
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1722/076
Date	Jan 4, 2017
Book Page	M1722/076
Instrument	952574

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution
Address	GRANDVILLE, MI 49418

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

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	$518.00 (-7.5%) Homeowner's exemption	$104,100 (-)	$104,100 (-)
2023	$560.00 Homeowner's exemption	$104,100	$104,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.03% 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	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 32 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