945 Cobble Dr, Richmond, KY 40475 Property Records

Madison County property record for 945 Cobble Dr, Richmond, KY 40475

Property Summary

Property Type	Other
Owner	2 Individual Names on File
Last Sale	$30,000 (Apr 2021)
Tax Bill	$3,767 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0002-0023-A`

Property Details

APN / Parcel Number

Primary APN	`0068-0002-0023-A`
Alternative APNs	`117973` `90253` `47444`

Location & Zoning

Account Number	47444
Street Address	945 COBBLE DR
City	RICHMOND
State	KY
Zip	40475-8317
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	FIELDSTONE LOT 23C & 23B
Legal Subdivision	FIELDSTONE
Legal Lot Number	23C,23B
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1011
Census Tract	10301

Owner

945 Cobble Dr is owned by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	945 COBBLE DR, RICHMOND, KY 40475-8317
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
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Nov 29, 2022	Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Apr 6, 2021	Deed, Transfer · Line of Credit FIRST NATIONAL BANK
Aug 20, 2019	Deed, Transfer CITY OF RICHMOND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on File
Deed Sale	Apr 6, 2021 · Amount on File
Prior Sale	Aug 20, 2019 · Amount on File
Deed Document Number	20212014032862
Deed Book / Page	803 / 278
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	945 COBBLE DR, RICHMOND, KY 40475-8317
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2454/306
Date	Mar 25, 2026
Book Page	M2454/306
Instrument	2014331341

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 29, 2022
Property Address	945 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D832/165
Book / Page	D832 / 165
Map Reference	CAB P28 PG 330
Instrument Date	Nov 17, 2022
Instrument	2014121355
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	659 CONCORD RD, RICHMOND, KY 40475-9590

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	945 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2014121356
Date	Nov 29, 2022
Instrument	2014121356

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 6, 2021
Property Address	945 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D803/278
Book / Page	D803 / 278
Map Reference	CAB 28 SL 330
Instrument Date	Apr 2, 2021
Instrument	2014032862
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount on Record
Tax	$30.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1332 CAHILL DR, LEXINGTON, KY 40504-1164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 WHISLER WAY CT, SELLERSBURG, IN 47172-8648

Mortgage

Document Number	2014032863
Date	Apr 6, 2021
Instrument	2014032863

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	252 Months
Due	Apr 2, 2042

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 20, 2019
Property Address	945 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	D00777/416
Book / Page	D00777 / 416
Map Reference	CAB 28 SL 770
Instrument Date	Aug 16, 2019
Instrument	2013997359
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount on Record
Tax	$5.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	970 COBBLE DR, RICHMOND, KY 40475-8317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1332 CAHILL DR, LEXINGTON, KY 40504-1164

Mortgage

Document Number	2013997360
Date	Aug 20, 2019
Instrument	2013997360

Lender

Name	CITY OF RICHMOND
Type	Government Agency

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 945 Cobble Dr was $3,767.

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	$3,767.00	$399,500	$399,500
2023	$3,875.00 (+1,231.62%)	$399,500 (+1,231.67%)	$399,500 (+1,231.67%)
2022	$291.00	$30,000	$30,000

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

Flood

FEMA maps place 945 Cobble Dr 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	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

Wildfire risk around 945 Cobble Dr 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	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 93 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 · 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