Madison County property record for 412 Michael Ct, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,798 sqft |
| Owner | Individual Name on Record |
| Last Sale | $313,000 (Dec 2021) |
| Tax Bill | $2,488 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Construction Loan Nov 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0042-0001-0082 |
| Primary APN | 0042-0001-0082 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,798 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 51648 |
|---|---|
| Street Address | 412 MICHAEL CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER CREEK ESTS LOT 82 BLK C |
| Legal Subdivision | DEER CREEK |
| Legal Block | C |
| Legal Lot Number | 82 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 412 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2021 | Deed, Construction Loan · Construction Mortgage CENTRAL BANK & TRUST CO |
| Nov 27, 2018 | Deed, Transfer · Conventional Mortgage PRIMELENDING |
| Oct 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2021 · Amount on Record |
| Deed Sale | Dec 1, 2021 · Amount on Record |
| Prior Sale | Nov 27, 2018 · Amount on Record |
| Deed Document Number | 2014066349 |
| Deed Book / Page | D815 / 93 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 1, 2021 |
| Property Address | 412 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Document Number | 000D815/93 |
| Book / Page | D815 / 93 |
| Map Reference | MB 10 PG 137 |
| Instrument Date | Nov 22, 2021 |
| Instrument | 2014066349 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $313.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1316 TRAVIS DR, 1316, RICHMOND, KY 40475-7811 |
| Name | Verified Name |
|---|---|
| Address | 412 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Document Number | 2014066350 |
|---|---|
| Date | Dec 1, 2021 |
| Instrument | 2014066350 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Nov 29, 2022 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 27, 2018 |
| Property Address | 412 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Document Number | D00767/269 |
| Book / Page | D00767 / 269 |
| Map Reference | CAB10 PG137 |
| Instrument Date | Nov 21, 2018 |
| Instrument | 2013985174 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | FOUNDATION TITLE AND ESCROW LLC, FOUNDATION TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $262.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6002 OLD SOUTH DR, 6002, RICHMOND, KY 40475-8026 |
| Name | Verified Name |
|---|---|
| Address | 412 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Document Number | 2013985175 |
|---|---|
| Date | Nov 27, 2018 |
| Instrument | 2013985175 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 412 MICHAEL CT, RICHMOND, KY 40475-7868 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2013967036 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | M01772/326 |
| Instrument | 2013967036 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $2,488.00 (-3.79%) Homeowner's exemption | $313,000 (-) | $313,000 (-) |
| 2023 | $2,586.00 Homeowner's exemption | $313,000 | $313,000 |
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 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% 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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