904 Falling Waters Ln, Richmond, KY 40475 Property Records

Madison County property record for 904 Falling Waters Ln, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$292,500 (Dec 2017)
Tax Bill	$3,017 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039A-0005-0198`

Property Details

APN / Parcel Number

Primary APN	`039A-0005-0198`
Alternative APNs	`127988` `90840` `57635`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Account Number	57635
Street Address	904 FALLING WATERS LN
City	RICHMOND
State	KY
Zip	40475-8258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHILOH POINTE LOT 198 PH 7-C
Legal Subdivision	SHILOH POINTE
Legal Phase	7
Legal Block	VII-C
Legal Lot Number	198
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	2
Census Block	2008
Census Tract	10103

Owner

904 Falling Waters Ln is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	904 FALLING WATERS LN, RICHMOND, KY 40475-8258
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
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Dec 22, 2017	Deed, Subdivision Related Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 27, 2017	Deed, Transfer · Commercial Mortgage PEOPLES BANK & TRUST CO OF MADISON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2017 · Amount on File
Deed Sale	Dec 22, 2017 · Amount on File
Prior Sale	Jun 27, 2017 · Amount on File
Deed Document Number	2013969517
Deed Book / Page	D00754 / 208
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	904 FALLING WATERS LN, RICHMOND, KY 40475-8258
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	LAND GROUP TITLE AND CLOSINGS, LAND GROUP TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01950/571
Date	Jun 19, 2020
Book Page	M01950/571
Instrument	2014014314

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	904 FALLING WATERS LN, RICHMOND, KY 40475-8258
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2059/622
Date	Jun 2, 2021
Book Page	M2059/622
Instrument	2014039174

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

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

December 2017: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 22, 2017
Property Address	904 FALLING WATERS LN, RICHMOND, KY 40475-8258
Document Number	D00754/208
Book / Page	D00754 / 208
Map Reference	MB P24 PG57
Instrument Date	Dec 18, 2017
Instrument	2013969517
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 N KEENELAND DR, RICHMOND, KY 40475-7951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 FALLING WATERS LN, RICHMOND, KY 40475-8258

Mortgage

Document Number	2013969518
Date	Dec 22, 2017
Instrument	2013969518

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 27, 2017
Property Address	904 FALLING WATERS LN, RICHMOND, KY 40475-8258
Document Number	D00746/596
Book / Page	D00746 / 596
Map Reference	MB P24 PG57
Instrument Date	Jun 23, 2017
Instrument	2013960691
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount on Record
Tax	$38.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 N KEENELAND DR, RICHMOND, KY 40475-7951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 N KEENELAND DR STE E, E, RICHMOND, KY 40475-7951

Mortgage

Document Number	2013960692
Date	Jun 27, 2017
Instrument	2013960692

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 904 Falling Waters Ln was $3,017 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	$3,017.00 Additional exemption filed	$320,000	$320,000
2023	$3,104.00 (-0.29%)	$320,000 (-)	$320,000 (-)
2022	$3,113.00	$320,000	$320,000

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

Flood

FEMA maps place 904 Falling Waters Ln 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 904 Falling Waters Ln is low, with a 0.02% 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	0.02% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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