Madison County property record for 401 Michael Ct, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.49 acres (64,931 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,000 (Jul 2024) |
| Tax Bill | $3,630 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0042-0001-0095 |
| Primary APN | 0042-0001-0095 |
|---|---|
| Alternative APNs |
|
| Lot Area | 64,931 sqft (1.49 acres) |
|---|
| Account Number | 61474 |
|---|---|
| Street Address | 401 MICHAEL CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER CREEK ESTS LOT 95 BLK C |
| Legal Subdivision | DEER CREEK |
| Legal Block | C |
| Legal Lot Number | 95 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10702 |
Source: Madison County records, as of July 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 205 SIMPSON AVE, 315, LEXINGTON, KY 40504-2685 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2024 · Amount on Record |
| Deed Sale | Jul 11, 2024 · Amount on Record |
| Prior Sale | Jul 13, 2005 · Amount on Record |
| Deed Document Number | 202414212410 |
| Deed Book / Page | 854 / 693 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 30, 2026 |
| Property Address | 401 MICHAEL CT, RICHMOND, KY 40475-7869 |
| Document Number | 0014365855 |
| Book / Page | 886 / 273 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202614365855 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2026 |
| Title Company | LAND TITLE, LAND GROUP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $50,500.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 401 MICHAEL CT, RICHMOND, KY 40475-7869 |
| Document Number | 0014365856, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 202614365856 |
| Name | PROVIDENT FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Madison County assessment roll, as of December 9, 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 | $3,630.00 (+46.19%) | $385,000 (+50.39%) | $385,000 (+50.39%) |
| 2023 | $2,483.00 | $256,000 | $256,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (2026) |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% 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 | 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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