856 Circle Hill Dr, Richmond, KY 40475 Property Records

Madison County property record for 856 Circle Hill Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,103 sqft
Lot Size	2.43 acres (105,851 sqft)
Owner	Individual Name on File
Last Sale	$247,911 (Jan 2019)
Tax Bill	$2,337 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0038-0003-0043`

Property Details

APN / Parcel Number

Primary APN	`0038-0003-0043`
Alternative APNs	`111182` `74347` `40391`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,103 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	105,851 sqft (2.43 acres)
Garage Type	Attached
Garage Area	554 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	40391
Street Address	856 CIRCLE HILL DR
City	RICHMOND
State	KY
Zip	40475-8420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSWEET TRACT 11-A & 10-A
Legal Subdivision	SUNSWEET
Legal Tract	11
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	2
Census Block	2000
Census Tract	10103

Owner

856 Circle Hill Dr is owned and occupied by an individual who bought it in January 2019.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	856 CIRCLE HILL DR, RICHMOND, KY 40475-8420
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jan 2, 2019	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2019 · Amount on File
Deed Sale	Jan 2, 2019 · Amount on File
Deed Document Number	2013986625
Deed Book / Page	D00768 / 442
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	856 CIRCLE HILL DR, RICHMOND, KY 40475-8420
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2019/135
Date	Feb 3, 2021
Book Page	M2019/135
Instrument	2014028864

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	856 CIRCLE HILL DR, RICHMOND, KY 40475-8420
Transaction Type	Mortgage
Record Updated	Oct 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01893/203
Date	Oct 9, 2019
Book Page	M01893/203
Instrument	2014000321

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jan 2, 2019
Property Address	856 CIRCLE HILL DR, RICHMOND, KY 40475-8420
Document Number	D00768/442
Book / Page	D00768 / 442
Instrument Date	Dec 27, 2018
Instrument	2013986625
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	FREIBERT AND MATTINGLY TITLE GROUP, FREIBERT & MATTINGLY TITLE G

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	856 CIRCLE HILL DR, 856, RICHMOND, KY 40475-8420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 CIRCLE HILL DR, RICHMOND, KY 40475-8420
Investor	Possibly a Property Investor

Mortgage

Document Number	2013986626
Date	Jan 2, 2019
Instrument	2013986626

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 856 Circle Hill Dr was $2,337 with an additional exemption.

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	$2,337.00 Additional exemption filed	$247,911	$247,911
2023	$2,404.00	$247,911	$247,911

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 856 Circle Hill Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.

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 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2010–2025)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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

Wildfire risk around 856 Circle Hill Dr 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.

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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