Madison County property record for 423 Laurel St, Richmond, KY 40475
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 1,703 sqft |
| Lot Size | 0.091 acres (3,977 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $85,000 (Oct 2025) |
| Tax Bill | $443 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit May 2025 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R007-0013-0018 |
| Primary APN | R007-0013-0018 |
|---|---|
| Alternative APNs |
|
| Units | 3 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 1,703 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 3,977 sqft (0.091 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 38527 |
|---|---|
| Street Address | 423 LAUREL ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1785 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | BROOKS & EVANS LOT 18 |
| Legal Subdivision | BROOKS MCCREARY EVANS ADD |
| Legal Lot Number | 18 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10602 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 260 RAINBOW RDG, RICHMOND, KY 40475-9659 |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jun 23, 2025 | Deed of Trust, Mortgage · Line of Credit 1ST TRUST BANK INC |
| May 30, 2025 | Deed, Transfer · Line of Credit 1ST TRUST BANK INC |
| Jan 25, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2025 · Amount on Record |
| Deed Sale | Oct 30, 2025 · Amount on Record |
| Prior Sale | May 30, 2025 · Amount on Record |
| Deed Document Number | 202514295918 |
| Deed Book / Page | 875 / 248 |
| Prior Transfer Date | Oct 24, 2025 |
| Prior Transfer Doc | 0014295918 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 423 LAUREL ST, RICHMOND, KY 40475-1785 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 223 E ST, RICHMOND, KY 40475-1609 |
| Document Number | 0M2387/557 |
|---|---|
| Date | Jun 23, 2025 |
| Book Page | M2387/557 |
| Instrument | 2014268610 |
| Name | 1ST TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 3 Months |
| Due | Sep 16, 2025 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 30, 2025 |
| Property Address | 423 LAUREL ST, RICHMOND, KY 40475-1785 |
| Document Number | 00D868/225 |
| Book / Page | D868 / 225 |
| Map Reference | MB D39 G 200 |
| Instrument Date | May 29, 2025 |
| Instrument | 2014264066 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8017 DAVIS MOUNTAIN PASS, AUSTIN, TX 78726-4041 |
| Name | Verified Name |
|---|---|
| Address | 223 E ST, RICHMOND, KY 40475-1609 |
| Document Number | 2014264067 |
|---|---|
| Date | May 30, 2025 |
| Instrument | 2014264067 |
| Name | 1ST TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jun 1, 2030 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 25, 2022 |
| Property Address | 423 LAUREL ST, RICHMOND, KY 40475-1785 |
| Document Number | 00D817/564 |
| Book / Page | D817 / 564 |
| Map Reference | MB 39 PG 200 |
| Instrument Date | Jan 20, 2022 |
| Instrument | 2014074107 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 412 LEWIS DR, RICHMOND, KY 40475-7723 |
| Name | Verified Name |
|---|---|
| Address | 412 LEWIS DR, RICHMOND, KY 40475-7723 |
Source: Madison County assessment roll, as of December 9, 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 | $443.00 (+8.05%) | $47,000 (+11.11%) | $47,000 (+11.11%) |
| 2023 | $410.00 (-0.24%) | $42,300 (-) | $42,300 (-) |
| 2022 | $411.00 | $42,300 | $42,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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