Madison County property record for 775 Concord Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 3.16 acres (137,650 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $615 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0093-0000-0023-BA |
| Primary APN | 0093-0000-0023-BA |
|---|---|
| Alternative APNs |
|
| Lot Area | 137,650 sqft (3.16 acres) |
|---|
| Account Number | 45025 |
|---|---|
| Street Address | 775 CONCORD RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3.16 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11001 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 775 CONCORD RD, RICHMOND, KY 40475-9248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2017 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 9, 2018 | Deed of Trust, Mortgage · VA Mortgage UNITED MILITARY MORTGAGE LLC |
| Dec 22, 2020 | Deed of Trust, Mortgage · VA Mortgage JFQ LENDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2008 |
| Deed Sale | Sep 19, 2008 |
| Deed Document Number | 0000639127 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 775 CONCORD RD, RICHMOND, KY 40475-9248 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01770/335 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | M01770/335 |
| Instrument | 2013966489 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 775 CONCORD RD, RICHMOND, KY 40475-9248 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01788/421 |
|---|---|
| Date | Feb 9, 2018 |
| Book Page | M01788/421 |
| Instrument | 2013971554 |
| Name | UNITED MILITARY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Apr 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.25% |
| Index | 1-Year CMT |
| Max Rate | 8.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 775 CONCORD RD, RICHMOND, KY 40475-9248 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M02006/604 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | M02006/604 |
| Instrument | 2014026334 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 1, 2050 |
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $615.00 (-6.82%) Homeowner's exemption | $114,400 (-) | $114,400 (-) |
| 2023 | $660.00 Homeowner's exemption | $114,400 | $114,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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