524 Ryan Drive, Richmond, KY 40475 (MLS# 26027676)

524 Ryan Drive, Richmond, KY 40475

$469,000

Virtual Tour

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Virtually Staged First Floor Bedroom/Office

Virtually Staged Second Floor Laundry Room

Property Type: Residential Bedrooms: 6 Baths: 4 Square Footage: 3,538 Lot Size (sq. ft.): 14,331 Status: Active

Current Price: $469,000 List Date: 10/06/2026 Last Modified: 10/28/2026

Overview

Description

2.75% ASSUMABLE MORTGAGE with an approximate remaining balance of $333,000. The seller has been advised by their current lender that the existing mortgage is assumable, subject to lender approval and buyer qualification. Scroll to the bottom for important financing information and disclaimers. This is the one that makes you stop scrolling. Built by Payne Homes, 524 Ryan Drive brings together the space, finish and flexibility buyers keep looking for, and it's priced with one goal in mind: to sell. The first floor features hardwood flooring, an open kitchen and living area, dining space, plus a separate room with French doors and a closet that can serve as a home office or first-floor bedroom. Upstairs, the primary suite features a large tiled walk-in shower, additional bedrooms and a conveniently located laundry room. Then there's the basement, and this is where the house really separates itself. The walkout lower level adds an entirely separate living area with LVP flooring, a kitch ... (Read more) 2.75% ASSUMABLE MORTGAGE with an approximate remaining balance of $333,000. The seller has been advised by their current lender that the existing mortgage is assumable, subject to lender approval and buyer qualification. Scroll to the bottom for important financing information and disclaimers. This is the one that makes you stop scrolling. Built by Payne Homes, 524 Ryan Drive brings together the space, finish and flexibility buyers keep looking for, and it's priced with one goal in mind: to sell. The first floor features hardwood flooring, an open kitchen and living area, dining space, plus a separate room with French doors and a closet that can serve as a home office or first-floor bedroom. Upstairs, the primary suite features a large tiled walk-in shower, additional bedrooms and a conveniently located laundry room. Then there's the basement, and this is where the house really separates itself. The walkout lower level adds an entirely separate living area with LVP flooring, a kitchenette, full bathroom, recreation space and additional flex rooms. The sixth sleeping space is a bonus room without egress and is not officially considered a bedroom. Fresh paint, new carpet, a roof that's only a few years old, two-car garage, fenced backyard, covered patio beneath the deck and nearly one-third of an acre complete the package. There's a lot of house here, and at this price, 524 Ryan Drive was positioned to get attention quickly. FINANCING INFORMATION: To the best of the seller's current knowledge, the seller has been advised by their current lender that the existing mortgage is assumable. The current loan is believed to have an approximate remaining balance of $333,000 with an interest rate of 2.75%. Any difference between the assumable loan balance and purchase price would be the buyer's responsibility and may require cash and/or separately obtained secondary financing. Loan assumption, buyer qualification, remaining balance, interest rate, monthly payment, remaining term, assumption fees and all other loan terms are subject to verification and approval by the existing lender/servicer. Any second mortgage or secondary financing is subject to separate lender underwriting, approval and availability. Seller, listing agent and brokerage make no representations, warranties or guarantees regarding the accuracy or continued availability of the assumable loan, the buyer's ability to qualify, the lender's approval of an assumption, or the availability or terms of secondary financing. Buyer and buyer's agent are responsible for independently verifying all financing information directly with the applicable lender(s) before relying upon it.

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Listing Details MLS# 26027676

Listing Information

Comp Sale YN: No
Property Sub Type: Single Family Residence

Status Change Information

Status Change Timestamp: 2026-10-06

Address

County: Madison
Street Number: 524
Street Name: Ryan
Street Suffix: Drive
State: KY
Zip Code: 40475
Zip +4: 7578
Inside City Limits YN: No
Directions: From I-75, take Exit 90 toward Richmond and continue onto Dr. Robert R. Martin Bypass/US-25 South. Turn left onto Four Mile Road, then left onto Atwood Drive. Turn right onto Ryan Drive and continue to 524 Ryan Drive in Magnolia Pointe.
Parcel Number: 0068-002G-0014
Tax District: 2
Deed Book: 782
Deed Page: 007

Contract

Original List Price: 469000
Start Showing Date: 2026-10-06
Listing Contract Date: 2026-10-06
Listing Agreement: Exclusive Right To Sell
Occupant Type: Vacant
Office Exclusive YN: No
List Price/SqFt: 132.58

Tax Legal

MLS Area Major: 008 - Madison County
Subdivision Name: Magnolia Pointe
High School District: Madison County - 8

Interior

Bedrooms Total: 6
Bathrooms Total: 4
Bathrooms Full: 3
Bathrooms Half: Yes
Above Grade Finished Area: 2519.76
Below Grade Finished Area: 1017.83
Below Grade Unfinished Area: 22.42
Living Area: 3537.59
Living Area Source: Appraiser
Basement YN: Yes
Fireplace YN: Yes
Fireplaces Total: Yes

More Information

Parking Information

Garage YN: Yes
Garage Spaces: 2
Carport YN: No

Building

Year Built: 2019
Home Warranty YN: No
Accessibility Features YN: No

Lot

Lot Size Source: Appraiser
Lot Size Acres: 0.329
Lot Size Square Feet: 14331
Pool Private YN: No
View YN: No
Waterfront YN: No
Water Body Access YN: No
Horse YN: No

Utilities

Cooling YN: Yes
Heating YN: Yes

Remarks

Public Remarks: 2.75% ASSUMABLE MORTGAGE with an approximate remaining balance of $333,000. The seller has been advised by their current lender that the existing mortgage is assumable, subject to lender approval and buyer qualification. Scroll to the bottom for important financing information and disclaimers. This is the one that makes you stop scrolling. Built by Payne Homes, 524 Ryan Drive brings together the space, finish and flexibility buyers keep looking for, and it's priced with one goal in mind: to sell. The first floor features hardwood flooring, an open kitchen and living area, dining space, plus a separate room with French doors and a closet that can serve as a home office or first-floor bedroom. Upstairs, the primary suite features a large tiled walk-in shower, additional bedrooms and a conveniently located laundry room. Then there's the basement, and this is where the house really separates itself. The walkout lower level adds an entirely separate living area with LVP flooring, a kitchenette, full bathroom, recreation space and additional flex rooms. The sixth sleeping space is a bonus room without egress and is not officially considered a bedroom. Fresh paint, new carpet, a roof that's only a few years old, two-car garage, fenced backyard, covered patio beneath the deck and nearly one-third of an acre complete the package. There's a lot of house here, and at this price, 524 Ryan Drive was positioned to get attention quickly. FINANCING INFORMATION: To the best of the seller's current knowledge, the seller has been advised by their current lender that the existing mortgage is assumable. The current loan is believed to have an approximate remaining balance of $333,000 with an interest rate of 2.75%. Any difference between the assumable loan balance and purchase price would be the buyer's responsibility and may require cash and/or separately obtained secondary financing. Loan assumption, buyer qualification, remaining balance, interest rate, monthly payment, remaining term, assumption fees and all other loan terms are subject to verification and approval by the existing lender/servicer. Any second mortgage or secondary financing is subject to separate lender underwriting, approval and availability. Seller, listing agent and brokerage make no representations, warranties or guarantees regarding the accuracy or continued availability of the assumable loan, the buyer's ability to qualify, the lender's approval of an assumption, or the availability or terms of secondary financing. Buyer and buyer's agent are responsible for independently verifying all financing information directly with the applicable lender(s) before relying upon it.

Amenity Fee Details

Amenity Fee YN: No

Room Types

Bathroom 1 Level: First
Bathroom 2 Level: Second
Bathroom 3 Level: Lower
Bathroom 4 Level: Second
Bedroom 1 Level: First
Bedroom 2 Level: Second
Bonus Room Level: Lower
Foyer Level: First
Kitchen Level: First
Living Room Level: First
Office Level: Lower
Primary Bathroom Level: Second
Primary Bedroom Level: Second
Recreation Room Level: Lower
Utility Room Level: Second

Property Features

Utilities: Electricity Connected; Sewer Connected; Water Connected; Underground Utilities; Electricity Connected; Sewer Connected; Water Connected; Underground Utilities Appliances: Cooktop; Dishwasher; Disposal; Double Oven; Microwave; Refrigerator Association Amenities: None Association Fee Includes: Insurance; Maintenance Grounds Basement: Exterior Entry; Full; Partially Finished; Walk-Out Access Construction Materials: Brick Veneer; Stone; Vinyl Siding Cooling: Electric; Heat Pump Fencing: Privacy; Wood Fireplace Features: Living Room Flooring: Carpet; Hardwood; Luxury Vinyl; Tile Foundation Details: Concrete Perimeter Heating: Electric; Forced Air; Heat Pump Interior Features: Breakfast Bar; Ceiling Fan(s); Entrance Foyer; Walk-In Closet(s) Laundry Features: Electric Dryer Hookup; Upper Level; Washer Hookup Levels: Two Lot Features: Landscaped Parking Features: Attached Garage; Driveway; Garage Faces Front; Off Street Patio And Porch Features: Deck; Patio; Porch Possession: Close Of Escrow Roof: Dimensional Style; Shingle Sewer: Public Sewer Structure Type: House Water Heater: Electric Water Source: Public Window Features: Insulated Windows; Screens Showing Requirements: Call Listing Agent; Showing Service Room Types: Bathroom 1; Bathroom 2; Bathroom 3; Bathroom 4; Bedroom 1; Bedroom 2; Bonus Room; Foyer; Kitchen; Living Room; Office; Primary Bathroom; Primary Bedroom; Recreation Room; Utility Room

Room Information

Room Name	Level
Primary Bedroom	Second
Primary Bathroom	Second
Kitchen	First
Living Room	First
Bedroom 1	First
Bedroom 2	Second
Bathroom 3	Second
Bathroom 4	Second
Bonus Room	Lower
Recreation Room	Lower
Utility Room	Second
Bathroom 1	First
Bathroom 2	Second
Bathroom 3	Lower
Office	Lower
Foyer	First

Documents

Sellers Disclosure Of Property Condition ›

Sketch ›

Listing Office: SimpliHOM

Last Updated: October - 28 - 2026

Information deemed reliable but not guaranteed.