Madison County property record for 129 Shale Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,539 sqft · built 2013 |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Jan 2026) |
| Tax Bill | $1,328 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056A-0004-0007 |
| Primary APN | 056A-0004-0007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,539 sqft Living Area |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 64767 |
|---|---|
| Street Address | 129 SHALE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROCKLEDGE LOT 7 |
| Legal Subdivision | ROCKLEDGE |
| Legal Lot Number | 7 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10903 |
129 Shale Dr is owned and occupied by an individual who bought it in January 2026.
Source: Madison County records, as of February 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 129 SHALE DR, RICHMOND, KY 40475-8751 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 20, 2026 | Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2026 · Amount on File |
| Deed Sale | Jan 20, 2026 · Amount on File |
| Deed Document Number | 2014312566 |
| Deed Book / Page | D878 / 456 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 129 SHALE DR, RICHMOND, KY 40475-8751 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M2157/20 |
|---|---|
| Date | May 4, 2022 |
| Book Page | M2157/20 |
| Instrument | 2014090230 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2042 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 20, 2026 |
| Property Address | 129 SHALE DR, RICHMOND, KY 40475-8751 |
| Document Number | 00D878/456 |
| Book / Page | D878 / 456 |
| Map Reference | MB 3 PG 55 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 2014312566 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2026 |
| Title Company | JETT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $305.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 229 58TH ST E, PALMETTO, FL 34221-8475 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 129 SHALE DR, RICHMOND, KY 40475-8751 |
| Document Number | 2014312569 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 2014312569 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
The 2025 property tax bill for 129 Shale Dr was $1,328 with a homeowner's exemption.
Source: Madison County assessment roll, as of April 1, 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 | $1,328.00 Homeowner's exemption | $190,000 | $190,000 |
| 2023 | $1,059.00 Homeowner's exemption | $155,600 | $155,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 129 Shale Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (1990–2013) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jul 2013 · river or lake flooding |
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 129 Shale Dr is low, with a 0.04% 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 | 0.04% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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