911 Cobble Dr, Richmond, KY 40475 Property Records

Madison County property record for 911 Cobble Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,560 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Mar 2026)
Tax Bill	$2,829 (2025)
Deeds & Mortgages	Dec 2024 Line of Credit Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0002-0070`

Property Details

APN / Parcel Number

Primary APN	`0068-0002-0070`
Alternative APNs	`142868` `83547` `73037`

Interior

Stories	2 Stories
Building Area	2,560 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	73037
Street Address	911 COBBLE DR
City	RICHMOND
State	KY
Zip	40475-8317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LOT 70
Legal Subdivision	FIELDSTONE
Legal Block	1
Legal Lot Number	70
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1014
Census Tract	10301

Owner

Source: Madison County records, as of April 3, 2026

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	911 COBBLE DR, RICHMOND, KY 40475-8317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2024	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Mar 24, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 29, 2022	Warranty Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Nov 29, 2022 · Amount on Record
Deed Document Number	202614330896
Deed Book / Page	880 / 475
Prior Transfer Date	Oct 3, 2024
Prior Transfer Doc	00D858/236
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	911 COBBLE DR, RICHMOND, KY 40475-8317
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2346/681
Date	Dec 11, 2024
Book Page	M2346/681
Instrument	2014236830

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 24, 2026
Property Address	911 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D880/475
Book / Page	D880 / 475
Map Reference	CAB 23 PG 101
Instrument Date	Mar 20, 2026
Instrument	2014330896
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1999 EMERALD WAY, RICHMOND, KY 40475-2700

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	911 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2014330899
Date	Mar 24, 2026
Instrument	2014330899

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Nov 29, 2022
Property Address	911 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D832/181
Book / Page	D832 / 181
Map Reference	CAB 21 PG 232
Instrument Date	Nov 21, 2022
Instrument	2014121378
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	IMAG TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	911 COBBLE DR, RICHMOND, KY 40475-8317

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	911 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2014121379
Date	Nov 29, 2022
Instrument	2014121379

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$2,829.00 (-2.78%)	$300,000 (-)	$300,000 (-)
2023	$2,910.00 (+30.08%)	$300,000 (+30.43%)	$300,000 (+30.43%)
2022	$2,237.00	$230,000	$230,000

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

Flood

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	2 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Verizon.

Nearby Properties on Cobble Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures