313 Binnacle Ct, Richmond, KY 40475 Property Records

Madison County property record for 313 Binnacle Ct, Richmond, KY 40475

Property Summary

Property Type	Other
Owner	Individual Name on Record
Tax Bill	$2,150 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0068-0005-0041`

Property Details

APN / Parcel Number

Primary APN	`0068-0005-0041`
Alternative APNs	`131542` `94393` `61352`

Location & Zoning

Account Number	61352
Street Address	313 BINNACLE CT
City	RICHMOND
State	KY
Zip	40475-7640
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	ASHPARK LOT 41
Legal Lot Number	41
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1020
Census Tract	10301

Owner

Source: Madison County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	313 BINNACLE CT, RICHMOND, KY 40475-7640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 29, 2021
Transfer Doc	00D800/452
Record Updated	Jun 8, 2026

January 2021: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	MADISON KY
Recording Date	Jan 29, 2021
Property Address	313 BINNACLE CT, RICHMOND, KY 40475-7640
Document Number	00D800/452
Book / Page	D800 / 452
Map Reference	CAB 29 SL 107
Instrument Date	Jan 5, 2021
Instrument	2014028576
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 CHRISTIAN WAY, MOUNT STERLING, KY 40353-1706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 BINNACLE CT, RICHMOND, KY 40475-7640

Mortgage

Document Number	2014028577
Date	Jan 29, 2021
Instrument	2014028577

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	5.37%

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,150.00 (+0.75%) Additional exemption filed	$228,000 (+3.64%)	$228,000 (+3.64%)
2023	$2,134.00 (-0.28%)	$220,000 (-)	$220,000 (-)
2022	$2,140.00	$220,000	$220,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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