Madison County property record for 428 5th St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 2,092 sqft |
| Lot Size | 0.279 acres (12,152 sqft) |
| Owner | Company Name on File |
| Last Sale | $73,000 (May 2024) |
| Tax Bill | $688 (2025) |
| Deeds & Mortgages | May 2024 Foreclosure Oct 2021 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R007-0013-0006 |
| Primary APN | R007-0013-0006 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,092 sqft Living Area |
| Exterior Material | Wood |
|---|---|
| Lot Area | 12,152 sqft (0.279 acres) |
| Account Number | 42622 |
|---|---|
| Street Address | 428 5TH ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 & PT 6 |
| Legal Subdivision | BROOKS |
| Legal Lot Number | 7 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10602 |
428 5th St is owned by a company that bought it in May 2024.
Source: Madison County records, as of October 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 428 5TH ST, RICHMOND, KY 40475-1222 |
| Owner Type | Company |
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 |
|---|---|
| May 8, 2024 | Commissioner's Deed, Foreclosure |
| Oct 6, 2021 | Deed, Transfer · Line of Credit CITIZENS GUARANTY BANK |
| Jul 22, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2024 · Amount on File |
| Deed Sale | May 8, 2024 · Amount on File |
| Prior Sale | Oct 6, 2021 · Amount on File |
| Deed Document Number | 202414202881 |
| Deed Book / Page | 852 / 107 |
| Prior Transfer Date | Jul 19, 2021 |
| Prior Transfer Doc | D808/737 |
| Record Updated | Oct 29, 2026 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 8, 2024 |
| Property Address | 428 5TH ST, RICHMOND, KY 40475-1222 |
| Document Number | 00D852/107 |
| Book / Page | D852 / 107 |
| Instrument Date | Apr 5, 2024 |
| Instrument | 2014202881 |
| Transaction Type | Foreclosure |
| Record Updated | May 21, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 6, 2021 |
| Property Address | 428 5TH ST, RICHMOND, KY 40475-1222 |
| Document Number | D812/406 |
| Book / Page | D812 / 406 |
| Instrument Date | Sep 28, 2021 |
| Instrument | 2014056800 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $66.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 576 CONCORD RD, 576, RICHMOND, KY 40475-9013 |
| Name | Verified Name |
|---|---|
| Address | 428 5TH ST, RICHMOND, KY 40475-1222 |
| Document Number | 2014056801 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 2014056801 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 4, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 22, 2021 |
| Property Address | 428 5TH ST, RICHMOND, KY 40475-1222 |
| Document Number | D808/737 |
| Book / Page | D808 / 737 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 2014045333 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 850 LAKEVIEW DR APT 97, 850, SHELBYVILLE, KY 40065-9551 |
| Name | Verified Name |
|---|---|
| Address | 576 CONCORD RD, RICHMOND, KY 40475-9013 |
The 2025 property tax bill for 428 5th St was $688.
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 | $688.00 | $73,000 | $73,000 |
| 2023 | $635.00 (-0.31%) | $65,541 (-) | $65,541 (-) |
| 2022 | $637.00 | $65,541 | $65,541 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 5th 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 428 5th 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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