Madison County property record for 402 Elm St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,088 sqft |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | Individual Name on File |
| Last Sale | $99,999 (Jan 2020) |
| Tax Bill | $942 (2025) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Jan 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R009-0016-0001 |
| Primary APN | R009-0016-0001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,088 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 8,755 sqft (0.201 acres) |
| Account Number | 68616 |
|---|---|
| Street Address | 402 ELM ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CROWS ADDITION PT LOT 11 & 12 |
| Legal Subdivision | CROWS ADD |
| Legal Lot Number | 11,12 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 10400 |
402 Elm St is owned and occupied by an individual who bought it in January 2020.
Source: Madison County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 402 ELM ST, RICHMOND, KY 40475-1506 |
| 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 |
|---|---|
| Feb 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARK COMMUNITY FCU |
| Jan 13, 2020 | Warranty Deed, Transfer · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2020 · Amount on File |
| Deed Sale | Jan 13, 2020 · Amount on File |
| Prior Sale | Nov 2, 2009 · Amount on File |
| Deed Document Number | 202014005297 |
| Deed Book / Page | 783 / 244 |
| Prior Transfer Date | May 17, 2007 |
| Prior Transfer Doc | 0D0622/633 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 402 ELM ST, RICHMOND, KY 40475-1506 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2217/726 |
|---|---|
| Date | Feb 21, 2023 |
| Book Page | M2217/726 |
| Instrument | 2014132655 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 10, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 13, 2020 |
| Property Address | 402 ELM ST, RICHMOND, KY 40475-1506 |
| Document Number | D00783/244 |
| Book / Page | D00783 / 244 |
| Instrument Date | Dec 24, 2019 |
| Instrument | 2014005297 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | TITLE SUPPLIERS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5383 S LAMAR ST, 5383, DENVER, CO 80123-5193 |
| Name | Verified Name |
|---|---|
| Address | 402 ELM ST, RICHMOND, KY 40475-1506 |
| Document Number | 2014005299 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 2014005299 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 1, 2030 |
| Document Number | M01911/290 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | M01911/290 |
| Instrument | 2014005298 |
| Name | MORTGAGE SU |
|---|---|
| Address | WINCHESTER, KY 40391 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 402 Elm St was $942.
Source: Madison County assessment roll, as of December 9, 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 | $942.00 | $99,999 | $99,999 |
| 2023 | $969.00 (-0.31%) | $99,999 (-) | $99,999 (-) |
| 2022 | $972.00 | $99,999 | $99,999 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Elm St in Zone X, an area of minimal flood risk.
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 8 (10% premium discount) |
| Nearby Flood Policies | 1 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.
The area around 402 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 348 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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