Madison County property record for 304 Binnacle Ct, Richmond, KY 40475 · Last verified July 2026
| Property Type | Other |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $320,000 (Jun 2025) |
| Tax Bill | $2,414 (2025) |
| Deeds & Mortgages | Mar 2021 Construction Loan Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0068-0005-0050 |
| Primary APN | 0068-0005-0050 |
|---|---|
| Alternative APNs |
|
| Account Number | 44900 |
|---|---|
| Street Address | 304 BINNACLE CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7640 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | ASHPARK LOT 50 |
| Legal Subdivision | ASHPARK SUBDIVISION |
| Legal Lot Number | 50 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10301 |
Source: Madison County records · APN 0068-0005-0050
Assessment roll updated December 9, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 62 WINDSOR DR, OAK BROOK, IL 60523-2365 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Mar 25, 2021 | Deed of Trust, Mortgage · Construction Mortgage CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Jun 17, 2021 | Deed, Subdivision Related Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 03, 2025 · Amount on Record |
| Deed Sale | Jun 03, 2025 · Amount on Record |
| Prior Sale | Jun 17, 2021 · Amount on Record |
| Deed Document Number | 202514264610 |
| Deed Book / Page | 868 / 306 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 304 BINNACLE CT, RICHMOND, KY 40475-7640 |
| Transaction Type | Mortgage |
| Record Updated | Dec 09, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2036/436 |
|---|---|
| Date | Mar 25, 2021 |
| Book Page | M2036/436 |
| Instrument | 2014032123 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | MEANS, KY 40346 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 17, 2021 |
| Property Address | 304 BINNACLE CT, RICHMOND, KY 40475-7640 |
| Document Number | 00D807/143 |
| Book / Page | D807 / 143 |
| Map Reference | CAB 29 SL 107 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 2014041512 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 09, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $256.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1850 FOUR MILE RD, RICHMOND, KY 40475-9261 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 304 BINNACLE CT, RICHMOND, KY 40475-7640 |
| Document Number | 2014041513 |
|---|---|
| Date | Jun 17, 2021 |
| Instrument | 2014041513 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,414.00 (-2.74%) | $256,000 (+0.02%) | $256,000 (+0.02%) |
| 2023 | $2,482.00 (-0.32%) | $255,945 (-) | $255,945 (-) |
| 2022 | $2,490.00 | $255,945 | $255,945 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510103011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force 2 of 2 on primary residences |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 2,632 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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