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421 Oak St, Richmond, KY 40475 Property Records

Madison County property record for 421 Oak St, Richmond, KY 40475

Property Summary

Property TypeSingle Family Home
Details2,040 sqft
Lot Size0.2 acres (8,715 sqft)
Owner2 Individual Names on Record
Last Sale$173,000 (Apr 2023)
Tax Bill$1,631 (2025)
Deeds & MortgagesSep 2022 Mortgage
Aug 2022 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APNR006-0009-0022

Property Details

APN / Parcel Number

Primary APNR006-0009-0022
Alternative APNs
  • 121916
  • 97184
  • 51435

Interior

Stories1 Story
Building Area2,040 sqft Living Area
1st Floor Area1,480 sqft
Basement Area1,480 sqft
Unfinished Basement1,480 sqft

Exterior

Exterior MaterialAluminum/Vinyl
Lot Area8,715 sqft (0.2 acres)
Lot Dimensions150 ft deep x 60 ft wide

Location & Zoning

Account Number51435
Street Address421 OAK ST
CityRICHMOND
StateKY
Zip40475-1311
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDESC
JurisdictionMADISON KY
Township / Civil DivisionRICHMOND
Census Block Group2
Census Block2012
Census Tract10602

Owner

Source: Madison County records, as of December 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address660 MAPLE GROVE RD, RICHMOND, KY 40475-8967
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2022Deed of Trust, Mortgage · Commercial Mortgage
CENTRAL BANK & TRUST CO
Aug 15, 2022Intrafamily Transfer, Transfer
Jun 13, 2022Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 20, 2023 · Amount on Record
Deed SaleApr 20, 2023 · Amount on Record
Prior SaleSep 15, 2022 · Amount on Record
Deed Document Number202314141296
Deed Book / Page837 / 245
Prior Transfer DateMay 13, 2022
Prior Transfer Doc00D824/475
Record UpdatedJun 8, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address421 OAK ST, RICHMOND, KY 40475-1311
Transaction TypeMortgage
Record UpdatedSep 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0M2189/724
DateSep 15, 2022
Book PageM2189/724
Instrument2014111386
Lender
NameCENTRAL BANK & TRUST CO
TypeBank
AddressLEXINGTON, KY 40507
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term60 Months
DueSep 13, 2027

August 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMADISON KY
Recording DateAug 15, 2022
Property Address421 OAK ST, RICHMOND, KY 40475-1311
Document Number00D827/699
Book / PageD827 / 699
Instrument DateAug 10, 2022
Instrument2014106569
Transaction TypeTransfer
Record UpdatedAug 26, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6462 SHADY SIDE RD, 6462, SHADY SIDE, MD 20764-9715

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 OAK ST, RICHMOND, KY 40475-1311

June 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMADISON KY
Recording DateJun 13, 2022
Property Address421 OAK ST, RICHMOND, KY 40475-1311
Document Number00D824/475
Book / PageD824 / 475
Instrument DateJun 10, 2022
Instrument2014095920
Transaction TypeTransfer
Record UpdatedJun 28, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6462 SHADY SIDE RD, 6462, SHADY SIDE, MD 20764-9715

Transferred To (Grantee/Buyer)

NameVerified Name
Address6462 SHADY SIDE RD, SHADY SIDE, MD 20764-9715

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyMadison County
MunicipalityRichmond City
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,631.00 (+3.49%)$173,000 (+6.46%)$173,000 (+6.46%)
2023$1,576.00 (+43.01%)$162,500 (+43.42%)$162,500 (+43.42%)
2022$1,102.00$113,300$113,300

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemRICHMOND UTILITIES
serves 35,640 people · EPA ID KY0760370
Water SourceSurface water
Last State InspectionNov 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and ReportingNone
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 312 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: T-Mobile.

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