408 Drayton Pl, Richmond, KY 40475 Property Records

Madison County property record for 408 Drayton Pl, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$373,450 (Dec 2024)
Tax Bill	$3,521 (2025)
Deeds & Mortgages	Apr 2022 Construction Loan Mar 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0068-014D-0037`

Property Details

APN / Parcel Number

Primary APN	`0068-014D-0037`
Alternative APNs	`129607` `92456` `49010`

Location & Zoning

Account Number	49010
Street Address	408 DRAYTON PL
City	RICHMOND
State	KY
Zip	40475-8196
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENSINGTON PLACE LOT 37
Legal Subdivision	KENSINGTON PLACE
Legal Lot Number	37
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1020
Census Tract	10301

Owner

408 Drayton Pl is owned and occupied by an individual who bought it in December 2024.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	408 DRAYTON PL, RICHMOND, KY 40475-8196
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Construction Mortgage CITIZENS GUARANTY BANK
Mar 27, 2026	Deed, Transfer LAND GROUP TITLE LLC
Dec 19, 2024	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK & TRUST CO
Jul 28, 2022	Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2024 · Amount on File
Deed Sale	Dec 19, 2024 · Amount on File
Prior Sale	Jul 28, 2022 · Amount on File
Deed Document Number	2014238077
Deed Book / Page	D861 / 618
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	408 DRAYTON PL, RICHMOND, KY 40475-8196
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M2149/17
Date	Apr 6, 2022
Book Page	M2149/17
Instrument	2014085235

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	IRVINE, KY 40336

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 1, 2023

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 27, 2026
Property Address	408 DRAYTON PL, RICHMOND, KY 40475-8196
Document Number	00D880/579
Book / Page	D880 / 579
Map Reference	MB 1 PG 95
Instrument Date	Mar 13, 2026
Instrument	2014332945
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	LAND GROUP TITLE LLC

Transaction

Amount	Amount on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	514 ELLISTON RD, RICHMOND, KY 40475-7503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 DRAYTON PL, RICHMOND, KY 40475-8196

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Dec 19, 2024
Property Address	408 DRAYTON PL, RICHMOND, KY 40475-8196
Document Number	00D861/618
Book / Page	D861 / 618
Map Reference	CAB 23 SL 205
Instrument Date	Dec 18, 2024
Instrument	2014238077
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$373.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 S 3RD ST, RICHMOND, KY 40475-2106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 DRAYTON PL, RICHMOND, KY 40475-8196

Mortgage

Document Number	2014238078
Date	Dec 19, 2024
Instrument	2014238078

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 28, 2022
Property Address	408 DRAYTON PL, RICHMOND, KY 40475-8196
Document Number	00D826/761
Book / Page	D826 / 761
Map Reference	CAB 23 SL 205
Instrument Date	Jul 20, 2022
Instrument	2014103702
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$341.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3558 BEREA RD, RICHMOND, KY 40475-8813

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	408 DRAYTON PL, RICHMOND, KY 40475-8196

Mortgage

Document Number	2014103703
Date	Jul 28, 2022
Instrument	2014103703

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 408 Drayton Pl was $3,521 with an additional exemption.

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,521.00 Additional exemption filed	$373,450	$373,450
2023	$3,306.00 (+1,260.49%)	$340,900 (+1,263.6%)	$340,900 (+1,263.6%)
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.

Flood

FEMA maps place 408 Drayton Pl 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	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

Wildfire risk around 408 Drayton Pl 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 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

May also be available: Metronet, Verizon.

Nearby Properties on Drayton Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures