Madison County property record for 409 Clay Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,235 sqft |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jan 2023) |
| Tax Bill | $1,508 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0021-0002 |
| Primary APN | R005-0021-0002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,235 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Mixed |
| Garage Area | 195 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 46941 |
|---|---|
| Street Address | 409 CLAY DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLAY TOWERS LOT 3 BLK D |
| Legal Subdivision | CLAY TOWER |
| Legal Block | D |
| Legal Lot Number | 3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10602 |
409 Clay Dr is owned and occupied by an individual who bought it in January 2023.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 8750 S OCEAN DR APT 333, 333, JENSEN BEACH, FL 34957-2123 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2023 · Amount on File |
| Deed Sale | Jan 3, 2023 · Amount on File |
| Deed Document Number | 2014125939 |
| Deed Book / Page | D833 / 364 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 3, 2023 |
| Property Address | 409 CLAY DR, RICHMOND, KY 40475-1235 |
| Document Number | 00D833/364 |
| Book / Page | D833 / 364 |
| Map Reference | MB 2 PG 41 |
| Instrument Date | Dec 19, 2022 |
| Instrument | 2014125939 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1103 VALLEY RUN DR, RICHMOND, KY 40475-3439 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 8750 SOUTH OCEAN DRIVE #333 # 333, 333, MC NEILL, MS 39457 |
| Document Number | 2014125943 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 2014125943 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
The 2025 property tax bill for 409 Clay Dr was $1,508 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 | $1,508.00 Additional exemption filed | $160,000 | $160,000 |
| 2023 | $1,552.00 (+235.93%) | $160,000 (+81.82%) | $160,000 (+81.82%) |
| 2022 | $462.00 Homeowner's exemption | $88,000 | $88,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Clay Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 409 Clay Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 512 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 in parts of the area | 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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