Madison County property record for 839 Concord Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $67,500 (Dec 1992) |
| Tax Bill | $848 (2025) |
| Deeds & Mortgages | Aug 2024 Line of Credit Mar 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0093-0000-0023-AA |
| Primary APN | 0093-0000-0023-AA |
|---|---|
| Alternative APNs |
|
| Lot Area | 45,738 sqft (1.05 acres) |
|---|
| Account Number | 72092 |
|---|---|
| Street Address | 839 CONCORD RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 3-A (1.05 ACRES) |
| Legal Subdivision | CONCORD |
| Legal Tract | 3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11001 |
839 Concord Rd is owned and occupied by two individuals who bought it in December 1992.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 839 CONCORD RD, RICHMOND, KY 40475-9208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2024 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Mar 1, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Nov 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 1992 · Amount on File |
| Deed Sale | Dec 6, 1992 · Amount on File |
| Deed Document Number | 0000425298 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 839 CONCORD RD, RICHMOND, KY 40475-9208 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00M2320/13 |
|---|---|
| Date | Aug 14, 2024 |
| Book Page | M2320/13 |
| Instrument | 2014217281 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jul 2, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 839 CONCORD RD, RICHMOND, KY 40475-9208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01849/601 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | M01849/601 |
| Instrument | 2013989001 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 839 CONCORD RD, RICHMOND, KY 40475-9208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01902/517 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | M01902/517 |
| Instrument | 2014002783 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 839 Concord Rd was $848 with a homeowner's exemption.
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 | $848.00 Homeowner's exemption | $139,100 | $139,100 |
| 2023 | $899.00 Homeowner's exemption | $139,100 | $139,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 839 Concord Rd in Zone X, an area of minimal flood risk.
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 risk around 839 Concord Rd is low, with a 0.03% 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 | 0.03% 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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