Madison County property record for 4012 Grindstone Ct, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $27,000 (Jul 2015) |
| Tax Bill | $1,886 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0054-0012-0083 |
| Primary APN | 0054-0012-0083 |
|---|---|
| Alternative APNs |
|
| Lot Area | 11,326 sqft (0.26 acres) |
|---|
| Account Number | 67955 |
|---|---|
| Street Address | 4012 GRINDSTONE CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DERBY CHASE LOT 83 |
| Legal Subdivision | DERBY CHASE |
| Legal Lot Number | 83 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 10701 |
4012 Grindstone Ct is owned and occupied by an individual who bought it in July 2015.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4012 GRINDSTONE CT, RICHMOND, KY 40475-7555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 5, 2020 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Sep 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2015 · Amount on File |
| Deed Sale | Jul 27, 2015 · Amount on File |
| Deed Document Number | 0000731188 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 4012 GRINDSTONE CT, RICHMOND, KY 40475-7555 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01983/671 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | M01983/671 |
| Instrument | 2014021554 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 308 Months |
| Due | Jun 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 4012 GRINDSTONE CT, RICHMOND, KY 40475-7555 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0M2092/317 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | M2092/317 |
| Instrument | 2014053171 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 4012 Grindstone Ct was $1,886 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 | $1,886.00 Additional exemption filed | $200,000 | $200,000 |
| 2023 | $1,736.00 (-0.29%) | $179,000 (-) | $179,000 (-) |
| 2022 | $1,741.00 | $179,000 | $179,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4012 Grindstone Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4012 Grindstone Ct is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 66 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 |
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