974 Cobble Dr, Richmond, KY 40475 Property Records

Madison County property record for 974 Cobble Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,450 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$339,900 (Jun 2022)
Tax Bill	$3,205 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0002-0021`

Property Details

APN / Parcel Number

Primary APN	`0068-0002-0021`
Alternative APNs	`107649` `144982` `75150`

Interior

Stories	2 Stories
Building Area	2,450 sqft Living Area

Exterior

Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	75150
Street Address	974 COBBLE DR
City	RICHMOND
State	KY
Zip	40475-8317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LOT 21 BLK 1
Legal Subdivision	FIELDSTONE
Legal Block	1
Legal Lot Number	21
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1011
Census Tract	10301

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	974 COBBLE DR, RICHMOND, KY 40475-8317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 4, 2021	Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE FCU
Sep 24, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST FINANCIAL BANK
Oct 2, 2019	Deed, Transfer · VA Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Prior Sale	Oct 2, 2019 · Amount on Record
Deed Document Number	2014096535
Deed Book / Page	D824 / 742
Record Updated	Jun 8, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 17, 2022
Property Address	974 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D824/742
Book / Page	D824 / 742
Map Reference	MB 21 PG 101
Instrument Date	Jun 13, 2022
Instrument	2014096535
Transaction Type	Transfer
Record Updated	Jul 6, 2022
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	317 BRECKENRIDGE CIR SE, 317, PALM BAY, FL 32909-2339

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	974 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2014096539
Date	Jun 17, 2022
Instrument	2014096539

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	974 COBBLE DR, RICHMOND, KY 40475-8317
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2079/75
Date	Aug 4, 2021
Book Page	M2079/75
Instrument	2014046918

Lender

Name	MEMBERS HERITAGE FCU
Type	Credit Union
Address	LEXINGTON, KY 40511

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 3, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	974 COBBLE DR, RICHMOND, KY 40475-8317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	JETT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01981/83
Date	Sep 24, 2020
Book Page	M01981/83
Instrument	2014020953

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 2, 2019
Property Address	974 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	D00779/223
Book / Page	D00779 / 223
Map Reference	CAB 23 PG 101
Instrument Date	Sep 25, 2019
Instrument	2013999824
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 DAINTREE DR, 328, RICHMOND, KY 40475-8373

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	974 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2013999825
Date	Oct 2, 2019
Instrument	2013999825

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 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	$3,205.00 (-2.79%) Additional exemption filed	$339,900 (-)	$339,900 (-)
2023	$3,297.00 (+47.38%)	$339,900 (+47.78%)	$339,900 (+47.78%)
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 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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