Madison County property record for 3012 Silver Charm Ct, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3,016 sqft |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $28,000 (May 2011) |
| Tax Bill | $3,423 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit Feb 2019 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0054-0012-0004 |
| Primary APN | 0054-0012-0004 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,016 sqft Living Area |
| 1st Floor Area | 1,508 sqft |
| Basement Area | 1,508 sqft |
| Unfinished Basement | 1,508 sqft |
| Exterior Material | Brick |
|---|---|
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 48856 |
|---|---|
| Street Address | 3012 SILVER CHARM CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DERBY CHASE LOT 4 |
| Legal Subdivision | DERBY CHASE |
| Legal Lot Number | 4 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 10701 |
3012 Silver Charm Ct is owned and occupied by an individual who acquired it in March 2021.
Source: Madison County records, as of December 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| 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 |
|---|---|
| Mar 6, 2020 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Feb 5, 2019 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Jun 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Jul 26, 2021 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Sep 11, 2025 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Mar 25, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2011 · Amount on File |
| Deed Sale | May 19, 2011 · Amount on File |
| Deed Document Number | 2011460293 |
| Deed Book / Page | 667 / 347 |
| Last Transfer Date | Mar 24, 2021 |
| Transfer Doc | 00D802/662 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01923/519 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | M01923/519 |
| Instrument | 2014008581 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01845/690 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | M01845/690 |
| Instrument | 2013988004 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01870/782 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | M01870/782 |
| Instrument | 2013994593 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| Document Number | 0M2075/557 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | M2075/557 |
| Instrument | 2014045566 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 40474 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| Document Number | 0M2408/731 |
|---|---|
| Date | Sep 11, 2025 |
| Book Page | M2408/731 |
| Instrument | 2014284696 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 25, 2021 |
| Property Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
| Document Number | 00D802/662 |
| Book / Page | D802 / 662 |
| Map Reference | CAB 24 SL 221 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 2014032140 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6005 WINNING COLORS CT, RICHMOND, KY 40475-7548 |
| Name | Verified Name |
|---|---|
| Address | 3012 SILVER CHARM CT, RICHMOND, KY 40475-8268 |
The 2025 property tax bill for 3012 Silver Charm Ct was $3,423.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,423.00 | $363,000 | $363,000 |
| 2023 | $3,055.00 (-0.29%) | $315,000 (-) | $315,000 (-) |
| 2022 | $3,064.00 | $315,000 | $315,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3012 Silver Charm Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3012 Silver Charm Ct 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 | 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 | 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 264 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures