413 Michael Ct, Richmond, KY 40475 Property Records

Madison County property record for 413 Michael Ct, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Owner	Individual Name on Record
Last Sale	$508,000 (Sep 2023)
Tax Bill	$4,790 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0042-0001-0088`

Property Details

APN / Parcel Number

Primary APN	`0042-0001-0088`
Alternative APNs	`128616` `91476` `53421`

Location & Zoning

Account Number	53421
Street Address	413 MICHAEL CT
City	RICHMOND
State	KY
Zip	40475-7871
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEER CREEK ESTS LOT 88 & 87 BLK C
Legal Subdivision	DEER CREEK
Legal Block	C
Legal Lot Number	87,88
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	3
Census Block	3000
Census Tract	10702

Owner

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	413 MICHAEL CT, RICHMOND, KY 40475-7871
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTH CENTRAL BANK
Jun 19, 2019	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on Record
Deed Sale	Sep 19, 2023 · Amount on Record
Prior Sale	Jun 19, 2019 · Amount on Record
Deed Document Number	2014167743
Deed Book / Page	D83 / 570
Record Updated	Jun 8, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 19, 2023
Property Address	413 MICHAEL CT, RICHMOND, KY 40475-7871
Document Number	000D83/570
Book / Page	D83 / 570
Map Reference	CAB 10 SL 137
Instrument Date	Sep 15, 2023
Instrument	2014167743
Transaction Type	Transfer
Record Updated	Oct 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$508.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 DALLAS PKWY STE 101, 101, FRISCO, TX 75034-8984

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MICHAEL CT, RICHMOND, KY 40475-7871

Mortgage

Document Number	2014167746
Date	Sep 19, 2023
Instrument	2014167746

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	413 MICHAEL CT, RICHMOND, KY 40475-7871
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01961/719
Date	Jul 27, 2020
Book Page	M01961/719
Instrument	2014016735

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 19, 2019
Property Address	413 MICHAEL CT, RICHMOND, KY 40475-7871
Document Number	D00774/763
Book / Page	D00774 / 763
Map Reference	MB 10 SL 137
Instrument Date	Jun 14, 2019
Instrument	2013994293
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3685 S CREEKWOOD WAY, BOISE, ID 83709-6072

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	413 MICHAEL CT, RICHMOND, KY 40475-7871

Mortgage

Document Number	2013994294
Date	Jun 19, 2019
Instrument	2013994294

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,790.00 (+45.24%) Additional exemption filed	$508,000 (+49.41%)	$508,000 (+49.41%)
2023	$3,298.00 (-0.3%)	$340,000 (-)	$340,000 (-)
2022	$3,308.00	$340,000	$340,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jun 2026 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 70% 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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