Madison County property record for 406 Elm St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,092 sqft |
| Owner | Company Name on File |
| Last Sale | $175,000 (Jul 2024) |
| Tax Bill | $1,037 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R009-0016-0002 |
| Primary APN | R009-0016-0002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,092 sqft Living Area |
| Exterior Material | Brick/Stone |
|---|
| Account Number | 73824 |
|---|---|
| Street Address | 406 ELM ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CROWS ADDITION LOT 13 |
| Legal Subdivision | CROWS ADD |
| Legal Lot Number | 13 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 10400 |
406 Elm St is owned by a company that bought it in July 2024 and is owner-occupied.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 853 SUNNY SLOPE TRCE, LEXINGTON, KY 40514-1761 |
| 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 | Jul 1, 2024 · Amount on File |
| Deed Sale | Jul 1, 2024 · Amount on File |
| Prior Sale | Dec 30, 2020 · Amount on File |
| Deed Document Number | 2014211000 |
| Deed Book / Page | D854 / 360 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 30, 2020 |
| Property Address | 406 ELM ST, RICHMOND, KY 40475-1506 |
| Document Number | D00799/172 |
| Book / Page | D00799 / 172 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 2014026783 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $25.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2151 CHRISTIAN RD, LEXINGTON, KY 40509-4301 |
| Name | Verified Name |
|---|---|
| Address | 1312 MOULTRIE CT, LEXINGTON, KY 40513-1942 |
| Document Number | 2014026784 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 2014026784 |
| Name | JAMES MISCHNER |
|---|---|
| Type | Private Party |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Dec 21, 2022 |
The 2025 property tax bill for 406 Elm St was $1,037 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 | $1,037.00 Additional exemption filed | $110,000 | $110,000 |
| 2023 | $242.00 (-0.41%) | $25,000 (-) | $25,000 (-) |
| 2022 | $243.00 | $25,000 | $25,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 406 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 406 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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