Madison County property record for 3431 River Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,302 sqft |
| Lot Size | 2.04 acres (88,862 sqft) |
| Owner | Company Name on File |
| Last Sale | $48,000 (Jun 2013) |
| Tax Bill | $990 (2025) |
| Deeds & Mortgages | Oct 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0038-0003-0003 |
| Primary APN | 0038-0003-0003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,302 sqft Living Area |
| Exterior Material | Wood |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 88,862 sqft (2.04 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 70767 |
|---|---|
| Street Address | 3431 RIVER DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSWEET TRACT 2A (2.04 ACRES) |
| Legal Subdivision | SUNSWEET |
| Legal Tract | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 10103 |
3431 River Dr is owned by a company that bought it in June 2013 and is owner-occupied.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 797 STONEY RUN RD, RICHMOND, KY 40475-9275 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 20, 2013 · Amount on File |
| Deed Sale | Jun 20, 2013 · Amount on File |
| Deed Document Number | 00MC286505 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 3431 RIVER DR, RICHMOND, KY 40475-8413 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2263/205 |
|---|---|
| Date | Oct 6, 2023 |
| Book Page | M2263/205 |
| Instrument | 2014170947 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3431 River Dr was $990 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $990.00 Additional exemption filed | $105,000 | $105,000 |
| 2023 | $737.00 | $76,000 | $76,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3431 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 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 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2010–2025) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 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 risk around 3431 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 Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 25 / 3 |
May also be available: AT&T, Verizon.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures