Madison County property record for 1004 Echo Valley Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,684 sqft |
| Lot Size | 2.47 acres (107,593 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (May 2022) |
| Tax Bill | $3,253 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jul 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0053-0000-0136 |
| Primary APN | 0053-0000-0136 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,684 sqft Living Area |
| 1st Floor Area | 1,222 sqft |
| Basement Area | 1,222 sqft |
| Unfinished Basement | 1,222 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 107,593 sqft (2.47 acres) |
| Garage Type | Basement |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 48784 |
|---|---|
| Street Address | 1004 ECHO VALLEY DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOCKINGBIRD HILL LOT 86A |
| Legal Subdivision | MOCKINGBIRD |
| Legal Block | 3 |
| Legal Lot Number | 86A |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 10104 |
1004 Echo Valley Dr is owned and occupied by two individuals who acquired it in July 2025.
Source: Madison County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 17, 2026 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Jul 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage METRO EMPLOYEES CREDIT UNION |
| Jul 31, 2025 | Correction Deed |
| May 24, 2022 | Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Feb 6, 2019 | Warranty Deed, Transfer · Conventional Mortgage METRO EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2022 · Amount on File |
| Deed Sale | May 24, 2022 · Amount on File |
| Prior Sale | Feb 6, 2019 · Amount on File |
| Deed Document Number | 202214093311 |
| Deed Book / Page | 823 / 542 |
| Last Transfer Date | Jul 23, 2025 |
| Transfer Doc | 0000D871/3 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 17, 2026 |
| Property Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Document Number | 0014340860 |
| Book / Page | 2460 / 415 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202614340860 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Document Number | 0014340860, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 2460/415 |
| Instrument | 202614340860 |
| Name | COMMONWEALTH CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01958/581 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | M01958/581 |
| Instrument | 2014015914 |
| Name | METRO EMPLOYEES CREDIT UNION |
|---|---|
| Address | LEXINGTON, KY 40504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 31, 2025 |
| Property Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Document Number | 0000D871/3 |
| Book / Page | D871 / 3 |
| Map Reference | CAB 21 SL 296 |
| Instrument Date | Jul 23, 2025 |
| Instrument | 2014275312 |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|---|
| Address | 259 INDIAN HILLS EST, GRAY, KY 40734-6405 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 24, 2022 |
| Property Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Document Number | 00D823/542 |
| Book / Page | D823 / 542 |
| Map Reference | CAB 21 SL 296 |
| Instrument Date | May 19, 2022 |
| Instrument | 2014093311 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 259 INDIAN HILLS EST, GRAY, KY 40734-6405 |
| Name | Verified Name |
|---|---|
| Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Investor | Possibly a Property Investor |
| Document Number | 2014093312 |
|---|---|
| Date | May 24, 2022 |
| Instrument | 2014093312 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 6, 2019 |
| Property Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Document Number | D00769/570 |
| Book / Page | D00769 / 570 |
| Map Reference | CAB 21 SL 296 |
| Instrument Date | Feb 4, 2019 |
| Instrument | 2013988073 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 412 QUAIL CREEK CT, RICHMOND, KY 40475-7533 |
| Name | Verified Name |
|---|---|
| Address | 1004 ECHO VALLEY DR, RICHMOND, KY 40475-8011 |
| Document Number | 2013988074 |
|---|---|
| Date | Feb 6, 2019 |
| Instrument | 2013988074 |
| Name | METRO EMPLOYEES CU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 1004 Echo Valley Dr was $3,253.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,253.00 | $345,000 | $345,000 |
| 2023 | $2,085.00 | $215,000 | $215,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1004 Echo Valley Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2014.
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 9 (5% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 5 (2014–2023) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Jun 2023 · rainfall accumulation |
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 risk around 1004 Echo Valley 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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