Madison County property record for 204 Brooks Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft |
| Lot Size | 0.246 acres (10,738 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,000 (Jan 2022) |
| Tax Bill | $1,178 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 053D-0000-0098 |
| Primary APN | 053D-0000-0098 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,738 sqft (0.246 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Other |
| Heating Fuel | Electric |
| Account Number | 41024 |
|---|---|
| Street Address | 204 BROOKS RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MADISON VILLAGE LOT 232 |
| Legal Subdivision | MADISON VILL |
| Legal Block | 6 |
| Legal Lot Number | 232 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 10104 |
204 Brooks Rd is owned and occupied by two individuals who bought it in January 2022.
Source: Madison County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 204 BROOKS RD, RICHMOND, KY 40475-9121 |
| 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 |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage Y-12 FEDERAL CREDIT UNION |
| Mar 29, 2019 | Deed of Trust, Mortgage · Commercial Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Jan 12, 2022 | Deed, Transfer · Conventional Mortgage FIRST STATE FINANCIAL INC |
| Mar 5, 2019 | Deed, Transfer · FHA Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2022 · Amount on File |
| Deed Sale | Jan 12, 2022 · Amount on File |
| Prior Sale | Mar 5, 2019 · Amount on File |
| Deed Document Number | 202214072143 |
| Deed Book / Page | 817 / 182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 12, 2026 |
| Property Address | 204 BROOKS RD, RICHMOND, KY 40475-9121 |
| Document Number | 0014368342 |
| Book / Page | 2492 / 508 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202614368342 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 204 BROOKS RD, RICHMOND, KY 40475-9121 |
| Document Number | 0014368342, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 2492/508 |
| Instrument | 202614368342 |
| Name | Y-12 FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 204 BROOKS RD, RICHMOND, KY 40475-9121 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M01854/573 |
|---|---|
| Date | Mar 29, 2019 |
| Book Page | M01854/573 |
| Instrument | 2013990238 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 1, 2029 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 12, 2022 |
| Property Address | 204 BROOKS RD, RICHMOND, KY 40475-9121 |
| Document Number | 00D817/182 |
| Book / Page | D817 / 182 |
| Map Reference | MB 6 PG 295 |
| Instrument Date | Jan 7, 2022 |
| Instrument | 2014072143 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 ONCANY DR #7070, 201, NICHOLASVILLE, KY 40356 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 204 BROOKS RD, RICHMOND, KY 40475-9121 |
| Document Number | 2014072144 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 2014072144 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 5, 2019 |
| Property Address | 204 BROOKS RD, RICHMOND, KY 40475-9121 |
| Document Number | D00770/571 |
| Book / Page | D00770 / 571 |
| Map Reference | MB 6 PG 295 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 2013989147 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $94.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1374, RICHMOND, KY 40476-1374 |
| Name | Verified Name |
|---|---|
| Address | 204 BROOKS RD, RICHMOND, KY 40475-9121 |
| Document Number | 2013989148 |
|---|---|
| Date | Mar 5, 2019 |
| Instrument | 2013989148 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Document Number | M01850/148 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | M01850/148 |
| Instrument | 2013989149 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 1, 2029 |
The 2025 property tax bill for 204 Brooks Rd was $1,178.
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 | $1,178.00 | $125,000 | $125,000 |
| 2023 | $1,212.00 | $125,000 | $125,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 Brooks Rd in Zone X, an area of minimal flood risk.
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 | 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 risk around 204 Brooks Rd is low, with a 0.03% 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 | 0.03% 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 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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