3401 River Dr, Richmond, KY 40475 Property Records

Madison County property record for 3401 River Dr, Richmond, KY 40475

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 901 sqft
Lot Size2 acres (87,120 sqft)
OwnerIndividual Name on File
Last Sale$160,000 (Nov 2025)
Tax Bill$1,093 (2025)
Deeds & MortgagesNov 2025 Sale & Mortgage
Aug 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN0038-0003-0001

Property Details

APN / Parcel Number

Primary APN0038-0003-0001
Alternative APNs
  • 100085
  • 137303
  • 67283

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area901 sqft Living Area

Exterior

Exterior MaterialWood Siding
Construction TypeFrame
Foundation TypeBlock
Roof TypeShed Roof
Roof MaterialMetal
Lot Area87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemSpace Heater

Location & Zoning

Account Number67283
Street Address3401 RIVER DR
CityRICHMOND
StateKY
Zip40475-8413
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNSWEET TRACT 1 (2.00 ACRES)
Legal SubdivisionSUNSWEET
Legal Tract1
JurisdictionMADISON KY
Township / Civil DivisionBOONESBOROUGH-WHITE HALL
Census Block Group2
Census Block2003
Census Tract10103

Owner

3401 River Dr is owned and occupied by an individual who bought it in November 2025.

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

Owner of RecordIndividual Name on File
Mailing Address3401 RIVER DR, RICHMOND, KY 40475-8413
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2025Deed, Transfer · Conventional Mortgage
TRUIST BANK A CORPORATION
Aug 18, 2021Deed, Transfer · Conventional Mortgage
TRUIST BANK
Jun 2, 2020Deed, Transfer · Commercial Mortgage
STEPHEN ROWE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 13, 2025 · Amount on File
Deed SaleNov 13, 2025 · Amount on File
Prior SaleAug 18, 2021 · Amount on File
Deed Document Number2014298655
Deed Book / PageD875 / 682
Record UpdatedJun 8, 2026

November 2025: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateNov 13, 2025
Property Address3401 RIVER DR, RICHMOND, KY 40475-8413
Document Number00D875/682
Book / PageD875 / 682
Instrument DateNov 12, 2025
Instrument2014298655
Transaction TypeTransfer
Record UpdatedDec 8, 2025
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$160.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address2479 LANCASTER RD, RICHMOND, KY 40475-8809

Transferred To (Grantee/Buyer)

NameVerified Name
Address3401 RIVER DR, RICHMOND, KY 40475-8413

Mortgage

Document Number2014298659
DateNov 13, 2025
Instrument2014298659
Lender
NameTRUIST BANK A CORPORATION
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueDec 1, 2040

August 2021: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateAug 18, 2021
Property Address3401 RIVER DR, RICHMOND, KY 40475-8413
Document NumberD810/182
Book / PageD810 / 182
Instrument DateJun 18, 2021
Instrument2014048991
Transaction TypeTransfer
Record UpdatedSep 1, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$141.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3401 RIVER DR, 3401, RICHMOND, KY 40475-8413

Transferred To (Grantee/Buyer)

NameVerified Name
Address1048 DIAMOND BROOK DR, RICHMOND, KY 40475-7618

Mortgage

Document Number2014048992
DateAug 18, 2021
Instrument2014048992
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term359 Months
DueJul 1, 2051

June 2020: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateJun 2, 2020
Property Address3401 RIVER DR, RICHMOND, KY 40475-8413
Document NumberD00788/522
Book / PageD00788 / 522
Instrument DateMay 27, 2020
Instrument2014013104
Transaction TypeTransfer
Record UpdatedDec 17, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$103.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3413 OGDEN WAY, 3413, LEXINGTON, KY 40509

Transferred To (Grantee/Buyer)

NameVerified Name
Address3401 RIVER DR, RICHMOND, KY 40475-8413

Mortgage

Document Number2014013105
DateJun 2, 2020
Instrument2014013105
Lender
NameSTEPHEN ROWE
TypePrivate Party
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term180 Months
DueJun 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3401 River Dr was $1,093 with an additional exemption.

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

Property Jurisdictions

TypeName
StateKentucky
CountyMadison County
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,093.00 Additional exemption filed$116,000$116,000
2023$1,125.00$116,000$116,000

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

Flood

FEMA maps place 3401 River Dr 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims3 (2010–2025)
Claims Outside the SFHA3 of 3
Most Recent ClaimApr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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

Wildfire risk around 3401 River Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemMADISON CO UTILITIES DISTRICT
serves 25,120 people · EPA ID KY0760224
Water SourcePurchased surface water from RICHMOND UTILITIES
Last State InspectionNov 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Jun 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 13 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite
280 / 30
Windstream
DSL
25 / 3

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Dr

Nearby Streets

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