903 Barnes Mill Rd, Richmond, KY 40475 Property Records

Madison County property record for 903 Barnes Mill Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	1,678 sqft
Lot Size	0.471 acres (20,540 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (Mar 2026)
Tax Bill	$1,480 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Mar 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R002-0006-0001`

Property Details

APN / Parcel Number

Primary APN	`R002-0006-0001`
Alternative APNs	`111107` `74271` `40316`

Interior

Stories	1 Story
Building Area	1,678 sqft Living Area

Exterior

Exterior Material	Stone
Lot Area	20,540 sqft (0.471 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	40316
Street Address	903 BARNES MILL RD
City	RICHMOND
State	KY
Zip	40475-3520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1
Legal Subdivision	INGRID FOX LOT SUBDIVISION
Legal Lot Number	1
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1002
Census Tract	10601

Owner

903 Barnes Mill Rd is owned and occupied by two individuals who bought it in March 2026.

Source: Madison County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Jan 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Mar 12, 2026	Deed, Transfer · Conventional Mortgage OCMBC INC
Dec 8, 2021	Deed, Transfer
Dec 20, 2011	Special Warranty Deed, Transfer
Feb 2, 2006	Deed, Transfer · Stand-Alone Second Mortgage BAYTREE LENDING
Nov 3, 2005	Deed, Transfer MADISON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2026 · Amount on File
Deed Sale	Mar 12, 2026 · Amount on File
Prior Sale	Dec 8, 2021 · Amount on File
Deed Document Number	202614326624
Deed Book / Page	880 / 185
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 HIDDEN RIDGE DR, WACO, KY 40385-9405
Investor	Possibly a Property Investor

Mortgage

Document Number	0M2210/513
Date	Jan 3, 2023
Book Page	M2210/513
Instrument	2014126098

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MINNEAPOLIS, MN 55439

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Dec 2, 2032

Interest

Rate Type	Adjustable Rate

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 12, 2026
Property Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520
Document Number	00D880/185
Book / Page	D880 / 185
Map Reference	MB 6 PG 8
Instrument Date	Mar 10, 2026
Instrument	2014326624
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	LAND GROUP TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	158 HICKORY DR, RICHMOND, KY 40475-8720

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520

Mortgage

Document Number	2014326625
Date	Mar 12, 2026
Instrument	2014326625

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 8, 2021
Property Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520
Document Number	00D815/323
Book / Page	D815 / 323
Map Reference	MB 06 PG 08
Instrument Date	Dec 8, 2021
Instrument	2014067478
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$116.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 S POWELL AVE, BEREA, KY 40403-1210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 BAKER CT # B, B, RICHMOND, KY 40475-2145
Investor	Possibly a Property Investor

December 2011: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Dec 20, 2011
Property Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520
Document Number	00D673/790
Book / Page	D673 / 790
Map Reference	MB6 PG8
Instrument Date	Dec 15, 2011
Instrument	470700
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	ONE WACKER DRIVE, CHICAGO, IL 60606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520

February 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 2, 2006
Property Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520
Document Number	0D0602/304
Book / Page	D0602 / 304
Instrument Date	Dec 22, 2005
Instrument	361934
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 N KILLOWAY LN, RICHMOND, KY 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520

Mortgage

Document Number	0000361936
Date	Feb 2, 2006
Instrument	361936

Lender

Name	BAYTREE LENDING
Type	Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 1, 2021

Mortgage

Document Number	0M1083/077
Date	Feb 2, 2006
Book Page	M1083/077
Instrument	361935

Lender

Name	BAYTREE LENDING
Type	Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2036

November 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 3, 2005
Property Address	903 BARNES MILL RD, RICHMOND, KY 40475-3520
Document Number	0D0598/564
Book / Page	D0598 / 564
Map Reference	MB6 PG8
Instrument Date	Nov 2, 2005
Instrument	356408
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	285 ROSEMONT GDNH, LEXINGTON, KY 40503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 N KILLARNEY LN, RICHMOND, KY 40475-3525

Mortgage

Document Number	0000356409
Date	Nov 3, 2005
Instrument	356409

Lender

Name	MADISON BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	1 Months
Due	Dec 2, 2005

Tax Assessment & Valuation

The 2025 property tax bill for 903 Barnes Mill Rd was $1,480.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,480.00	$157,000	$157,000
2023	$1,130.00 (-0.26%)	$116,500 (-)	$116,500 (-)
2022	$1,133.00	$116,500	$116,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 903 Barnes Mill Rd in Zone X, an area of minimal flood risk.

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 8 (10% premium discount)
Nearby Flood Policies	1 in force

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 903 Barnes Mill Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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	RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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