Madison County property record for 406 Brooks Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Feb 2012) |
| Tax Bill | $574 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 053D-0000-0022 |
| Primary APN | 053D-0000-0022 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 74196 |
|---|---|
| Street Address | 406 BROOKS RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MADISON VILLAGE LOT 156 |
| Legal Subdivision | MADISON VILL |
| Legal Block | 2 |
| Legal Lot Number | 156 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 10104 |
406 Brooks Rd is owned and occupied by an individual who bought it in February 2012.
Source: Madison County records, as of December 8, 2025
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 | Individual Name on File |
|---|---|
| Mailing Address | 406 BROOKS RD, RICHMOND, KY 40475-9131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2023 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Oct 1, 2020 | Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2012 · Amount on File |
| Deed Sale | Feb 8, 2012 · Amount on File |
| Deed Document Number | 473044 |
| Deed Book / Page | D675 / 126 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 406 BROOKS RD, RICHMOND, KY 40475-9131 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 406 BROOKS RD, RICHMOND, KY 40475-9131 |
| Document Number | 0M2266/614 |
|---|---|
| Date | Oct 24, 2023 |
| Book Page | M2266/614 |
| Instrument | 2014173653 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 406 BROOKS RD, RICHMOND, KY 40475-9131 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01982/702 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | M01982/702 |
| Instrument | 2014021346 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Sep 22, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 406 Brooks Rd was $574 with a homeowner's 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 | $574.00 Homeowner's exemption | $110,000 | $110,000 |
| 2023 | $617.00 Homeowner's exemption | $110,000 | $110,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Brooks Rd 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 9 (5% premium discount) |
| Nearby Flood Policies | 2 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.
Wildfire risk around 406 Brooks Rd 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 | Indirect 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 | 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 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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