Madison County property record for 406 Michael Ct, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on Record |
| Last Sale | $167,000 (Jan 1998) |
| Tax Bill | $2,828 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0042-0001-0079 |
| Primary APN | 0042-0001-0079 |
|---|---|
| Alternative APNs |
|
| Account Number | 63489 |
|---|---|
| Street Address | 406 MICHAEL CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER CREEK ESTS LOT 79 BLK C |
| Legal Subdivision | DEER CREEK |
| Legal Block | C |
| Legal Lot Number | 79 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10702 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 406 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| May 31, 2017 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 1998 · Amount on Record |
| Deed Sale | Jan 28, 1998 · Amount on Record |
| Deed Document Number | 0000485671 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 406 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 406 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Document Number | 0M2261/629 |
|---|---|
| Date | Sep 28, 2023 |
| Book Page | M2261/629 |
| Instrument | 2014169294 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 5, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 406 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01744/625 |
|---|---|
| Date | May 31, 2017 |
| Book Page | M01744/625 |
| Instrument | 2013959353 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 10, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,828.00 (+21.17%) Homeowner's exemption | $349,000 (+21.6%) | $349,000 (+21.6%) |
| 2023 | $2,334.00 Homeowner's exemption | $287,000 | $287,000 |
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 65% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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 |
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