Madison County property record for 792 Concord Rd, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Lot Size | 18.7 acres (816,750 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $99 (2025) |
| Deeds & Mortgages | Oct 2025 Construction Loan Apr 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0093-0000-0005-2A |
| Primary APN | 0093-0000-0005-2A |
|---|---|
| Alternative APNs |
|
| Lot Area | 816,750 sqft (18.7 acres) |
|---|
| Account Number | 69246 |
|---|---|
| Street Address | 792 CONCORD RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9248 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | TRACT 2A (18.75 ACRES) |
| Legal Tract | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 11001 |
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 | 782 CONCORD RD, RICHMOND, KY 40475-9248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC |
| Apr 20, 2022 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000818765 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 792 CONCORD RD, RICHMOND, KY 40475-9248 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 792 CONCORD RD, RICHMOND, KY 40475-9248 |
| Document Number | 0M2413/561 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | M2413/561 |
| Instrument | 2014289045 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Sep 22, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 22, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 1-Year CMT |
| Max Rate | 11.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 792 CONCORD RD, RICHMOND, KY 40475-9248 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00M2153/65 |
|---|---|
| Date | Apr 20, 2022 |
| Book Page | M2153/65 |
| Instrument | 2014087748 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Apr 4, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 5.37% |
| Index | 3-Year CMT |
| Max Rate | 9.37% |
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 | $99.00 (-1.98%) Additional exemption filed | $10,500 (-) | $10,500 (-) |
| 2023 | $101.00 | $10,500 | $10,500 |
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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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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