Madison County property record for 308 Steep St, Richmond, KY 40475
| Property Type | Professional Building (Legal, Insurance, Real Estate, Business) |
|---|---|
| Details | 17,592 sqft |
| Owner | Company Name on File |
| Tax Bill | $4,582 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R009-0050-0013 |
| Primary APN | R009-0050-0013 |
|---|---|
| Alternative APNs |
|
| Building Area | 17,592 sqft Total Area |
|---|
| Account Number | 63417 |
|---|---|
| Street Address | 308 STEEP ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-2050 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business) |
| Legal Description | RICHMOND INVESTMENT LOT PT 23 & 25 -27 B |
| Legal Block | 13 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 10302 |
308 Steep St, a commercial property, is owned by a company that acquired it in August 2009 and is owner-occupied.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 1060, RICHMOND, KY 40476-1060 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 6, 2018 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Apr 9, 2020 | Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2009 |
| Deed Sale | Aug 25, 2009 |
| Prior Sale | Jul 26, 2005 |
| Deed Document Number | 431831 |
| Deed Book / Page | D648 / 756 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 308 STEEP ST, RICHMOND, KY 40475-2050 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01817/453 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | M01817/453 |
| Instrument | 2013979738 |
| 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 | 308 STEEP ST, RICHMOND, KY 40475-2050 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01931/305 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | M01931/305 |
| Instrument | 2014010142 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Commercial Mortgage |
|---|---|
| Term | 60 Months |
| Due | Apr 7, 2025 |
The 2025 property tax bill for 308 Steep St was $4,582 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $4,582.00 Additional exemption filed | $486,000 | $486,000 |
| 2023 | $4,365.00 (-0.3%) | $450,000 (-) | $450,000 (-) |
| 2022 | $4,378.00 | $450,000 | $450,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 308 Steep St 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 | 5 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 308 Steep St 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 | None beyond ember reach |
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 382 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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