Madison County property record for 411 Laurel St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,078 sqft |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Mar 2006) |
| Tax Bill | $432 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R007-0013-0013 |
| Primary APN | R007-0013-0013 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,078 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|
| Account Number | 46133 |
|---|---|
| Street Address | 411 LAUREL ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BROOKS & EVANS LOT 22 & 23 |
| Legal Lot Number | 22,23 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10602 |
411 Laurel St is owned and occupied by an individual who bought it in March 2006.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 411 LAUREL ST, RICHMOND, KY 40475-1239 |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Feb 11, 2019 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2006 · Amount on File |
| Deed Sale | Mar 13, 2006 · Amount on File |
| Deed Document Number | 364062 |
| Deed Book / Page | D0603 / 777 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 411 LAUREL ST, RICHMOND, KY 40475-1239 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0M2199/183 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | M2199/183 |
| Instrument | 2014118024 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 411 LAUREL ST, RICHMOND, KY 40475-1239 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01846/343 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | M01846/343 |
| Instrument | 2013988219 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40476 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 411 Laurel St was $432 with a homeowner's 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 | $432.00 Homeowner's exemption | $95,000 | $95,000 |
| 2023 | $149.00 (-28.02%) Homeowner's exemption | $61,800 (-) | $61,800 (-) |
| 2022 | $207.00 Homeowner's exemption | $61,800 | $61,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 411 Laurel St 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 411 Laurel St 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 98% of the US · lower than 98.2% 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 | 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 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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