916 Cobble Dr, Richmond, KY 40475 Property Records

Madison County property record for 916 Cobble Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,144 sqft
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$167,841 (Jul 2006)
Tax Bill	$2,083 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0002-0050`

Property Details

APN / Parcel Number

Primary APN	`0068-0002-0050`
Alternative APNs	`121118` `84114` `50616`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,144 sqft Living Area
1st Floor Area	852 sqft
Basement Area	852 sqft
Unfinished Basement	852 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	50616
Street Address	916 COBBLE DR
City	RICHMOND
State	KY
Zip	40475-8317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LOT 50
Legal Subdivision	FIELDSTONE
Legal Block	1
Legal Lot Number	50
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1011
Census Tract	10301

Owner

Source: Madison County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	916 COBBLE DR, RICHMOND, KY 40475-8317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL SERVICES INC
Jul 21, 2023	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 2, 2020	Deed of Trust, Mortgage · VA Mortgage CHURCHILL MORTGAGE CORP
Aug 10, 2018	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2006 · Amount on Record
Deed Sale	Jul 31, 2006 · Amount on Record
Deed Document Number	2006373111
Deed Book / Page	0610 / 327
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Apr 6, 2026
Property Address	916 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	0014336468
Book / Page	2457 / 490
Instrument Date	Mar 30, 2026
Instrument	202614336468
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FOUNDATION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	0014336468,
Date	Apr 6, 2026
Book Page	2457/490
Instrument	202614336468

Lender

Name	AMERICAN FINANCIAL SERVICES INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	916 COBBLE DR, RICHMOND, KY 40475-8317
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	0M2247/450
Date	Jul 21, 2023
Book Page	M2247/450
Instrument	2014157922

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	449 Months
Due	Dec 1, 2060

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	916 COBBLE DR, RICHMOND, KY 40475-8317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M02000/55
Date	Dec 2, 2020
Book Page	M02000/55
Instrument	2014025137

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	916 COBBLE DR, RICHMOND, KY 40475-8317
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01818/482
Date	Aug 10, 2018
Book Page	M01818/482
Instrument	2013980030

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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	$2,083.00 (-4.54%) Homeowner's exemption	$270,000 (+2%)	$270,000 (+2%)
2023	$2,182.00 (-0.32%)	$225,000 (-)	$225,000 (-)
2022	$2,189.00	$225,000	$225,000

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.

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