971 Cobble Dr, Richmond, KY 40475 Property Records

Madison County property record for 971 Cobble Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,544 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,000 (Sep 2026)
Tax Bill	$2,772 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0002-0106`

Property Details

APN / Parcel Number

Primary APN	`0068-0002-0106`
Alternative APNs	`138880` `75120` `68911`

Interior

Stories	2 Stories
Building Area	2,544 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	68911
Street Address	971 COBBLE DR
City	RICHMOND
State	KY
Zip	40475-8317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LOT 106
Legal Subdivision	FIELDSTONE
Legal Block	2
Legal Lot Number	106
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1012
Census Tract	10301

Owner

Source: Madison County records, as of October 5, 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	971 COBBLE DR, RICHMOND, KY 40475-8317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Mar 23, 2023	Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Apr 6, 2022	Quit Claim Deed, Transfer · Stand-Alone Second Mortgage VELOCITY HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Dec 1, 2006 · Amount on Record
Deed Document Number	202614378229
Deed Book / Page	888 / 578
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Sep 24, 2026
Property Address	971 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	0014378229
Book / Page	888 / 578
Instrument Date	Sep 22, 2026
Instrument	202614378229
Transaction Type	Transfer
Record Updated	Oct 5, 2026
Title Company	TRUE TITLE, TRUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,552.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	0014378235,
Date	Sep 24, 2026
Instrument	202614378235

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 23, 2023
Property Address	971 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D836/151
Book / Page	D836 / 151
Map Reference	CAB 23 PG 279
Instrument Date	Mar 17, 2023
Instrument	2014137629
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$294.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	665 SHAKER DR, RICHMOND, KY 40475-7652

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	971 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2014137630
Date	Mar 23, 2023
Instrument	2014137630

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON KY
Recording Date	Apr 6, 2022
Property Address	971 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D821/116
Book / Page	D821 / 116
Map Reference	CAB 28 SL 330
Instrument Date	Mar 21, 2022
Instrument	2014085204
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 MALLARD DR, FRANKFORT, KY 40601-8644

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	2014085207
Date	Apr 6, 2022
Instrument	2014085207

Lender

Name	VELOCITY HOLDINGS LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second 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	$2,772.00 (+28.75%)	$294,000 (+32.43%)	$294,000 (+32.43%)
2023	$2,153.00 (-0.32%)	$222,000 (-)	$222,000 (-)
2022	$2,160.00	$222,000	$222,000

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 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.

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