404 HIGHLAND LAKES DR, 404, RICHMOND, KY 40475-3849
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
1007 HIGHLANDS DR, RICHMOND, KY 40475-3497
Mortgage
Document Number
2014063536
Date
Nov 12, 2021
Instrument
2014063536
Lender
Name
COMMUNITY TRUST BANK INC
Type
Bank
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Nov 1, 2051
Interest
Rate Type
Adjustable Rate
Rate
3.5%
Min Rate At Change
3.37%
Max Rate At Change
5.5%
November 2021: Intrafamily Transfer, Transfer
Document Type
Intrafamily Transfer
Jurisdiction
MADISON KY
Recording Date
Nov 16, 2021
Property Address
1007 HIGHLANDS DR, RICHMOND, KY 40475-3497
Document Number
D814/331
Book / Page
D814 / 331
Map Reference
MB 13 PG 134
Instrument Date
Oct 26, 2021
Instrument
2014064141
Transaction Type
Transfer
Record Updated
Nov 29, 2021
Transaction
Tax
$0.00
Amount Accuracy
Transfer Tax Exempt
Additional
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Address
404 HIGHLAND LAKES DR, 404, RICHMOND, KY 40475-3849
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
1007 HIGHLANDS DR, RICHMOND, KY 40475-3497
July 2019: Deed, Transfer
Document Type
Deed
Jurisdiction
MADISON KY
Recording Date
Jul 31, 2019
Property Address
1007 HIGHLANDS DR, RICHMOND, KY 40475-3497
Document Number
D00776/588
Book / Page
D00776 / 588
Map Reference
MB 13 PG 134
Instrument Date
Jul 20, 2019
Instrument
2013996402
Transaction Type
Transfer
Record Updated
Dec 17, 2021
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$275.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
PO BOX 460, RICHMOND, KY 40476-0460
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Right of Survivorship
Address
1007 HIGHLANDS DR, RICHMOND, KY 40475-3497
Mortgage
Document Number
2013996403
Date
Jul 31, 2019
Instrument
2013996403
Lender
Name
KENTUCKY BANK
Type
Bank
Agreement
Type
ARM
Amount
Amount on Record
Term
361 Months
Due
Aug 1, 2049
Interest
Rate Type
Adjustable Rate
Rate
4.25%
Adjustable
Adjustable Rate Rider
Type Change Date
Aug 1, 2022
Change Frequency
Annually
Min Rate At Change
4.25%
Max Rate At Change
6.25%
Index
1-Year CMT
Max Rate
10.2%
December 2018: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
MADISON KY
Recording Date
Dec 3, 2018
Property Address
1007 HIGHLANDS DR, RICHMOND, KY 40475-3497
Document Number
D00767/440
Book / Page
D00767 / 440
Map Reference
MB13 PG134
Instrument Date
Nov 30, 2018
Instrument
2013985445
Transaction Type
Transfer
Record Updated
Dec 17, 2021
Transaction
Amount
Amount on Record
Tax
$215.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
211 CLAIRMONT DR, 211, RICHMOND, KY 40475-1770
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
PO BOX 460, RICHMOND, KY 40476-0460
Tax Assessment & Valuation
The 2025 property tax bill for 1007 Highlands Dr was $2,130 with a homeowner's exemption.
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
$2,130.00Homeowner's exemption
$275,000
$275,000
2023
$2,667.00 (-0.3%)
$275,000 (-)
$275,000 (-)
2022
$2,675.00
$275,000
$275,000
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 1007 Highlands Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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
6 in force
Nearby Flood Claims
1 (2026)
Most Recent Claim
Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
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 1007 Highlands Dr is low, with a 0.01% 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
0.01% annual chance
Exposure
Indirect within ember reach
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 120 locations within half a mile, as of December 31, 2025