428 Jackson Br, Richmond, KY 40475 Property Records

Madison County property record for 428 Jackson Br, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,346 sqft
Lot Size	2.02 acres (88,383 sqft)
Owner	Individual Name on File
Last Sale	$45,500 (Feb 2024)
Tax Bill	$429 (2025)
Deeds & Mortgages	Mar 2024 Construction Loan Feb 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0018-0000-0084-A`

Property Details

APN / Parcel Number

Primary APN	`0018-0000-0084-A`
Alternative APNs	`119361` `82380` `60135`

Interior

Stories	2 Stories
Building Area	2,346 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	88,383 sqft (2.02 acres)

Location & Zoning

Account Number	60135
Street Address	428 JACKSON BRANCH
City	RICHMOND
State	KY
Zip	40475-9416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.0288 ACRES
Jurisdiction	MADISON KY
Township / Civil Division	COTTONBURG-VALLEY VIEW
Census Block Group	1
Census Block	1031
Census Tract	10801

Owner

428 Jackson Br is owned and occupied by an individual who bought it in February 2024.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	136 PREWITT DR, RICHMOND, KY 40475-6806
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Deed of Trust, Mortgage · Construction Mortgage CITIZENS GUARANTY BANK
Feb 20, 2024	Deed, Transfer
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit 1ST TRUST BANK INC
Apr 23, 2020	Deed, Transfer · Line of Credit 1ST TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2024 · Amount on File
Deed Sale	Feb 20, 2024 · Amount on File
Prior Sale	Apr 23, 2020 · Amount on File
Deed Document Number	2014191098
Deed Book / Page	D849 / 52
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	428 JACKSON BR, RICHMOND, KY 40475-9416
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 PREWITT DR, RICHMOND, KY 40475-6806

Mortgage

Document Number	0M2288/466
Date	Mar 19, 2024
Book Page	M2288/466
Instrument	2014195141

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	RICHMOND, KY 40476

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 15, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 20, 2024
Property Address	428 JACKSON BR, RICHMOND, KY 40475-9416
Document Number	000D849/52
Book / Page	D849 / 52
Instrument Date	Feb 9, 2024
Instrument	2014191098
Transaction Type	Transfer
Record Updated	Mar 4, 2024

Transaction

Amount	Amount on Record
Tax	$45.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	533 WHITLOCK RD, RICHMOND, KY 40475-9498

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 JACKSON BR, RICHMOND, KY 40475-9416

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	428 JACKSON BR, RICHMOND, KY 40475-9416
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000M2227/7
Date	Apr 12, 2023
Book Page	M2227/7
Instrument	2014139892

Lender

Name	1ST TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Mar 30, 2043

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 23, 2020
Property Address	428 JACKSON BR, RICHMOND, KY 40475-9416
Document Number	0D00787/96
Book / Page	D00787 / 96
Instrument Date	Apr 17, 2020
Instrument	2014010795
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	251 JOLLY RIDGE RD, RICHMOND, KY 40475-9749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 WHITLOCK RD, RICHMOND, KY 40475-9498

Mortgage

Document Number	M01934/245
Date	Apr 23, 2020
Book Page	M01934/245
Instrument	2014010796

Lender

Name	1ST TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 17, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 428 Jackson Br was $429 with an additional exemption.

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	$429.00 Additional exemption filed	$45,500	$45,500
2023	$824.00	$85,000	$85,000

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

Flood

FEMA maps place 428 Jackson Br in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2015.

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	8 in force
Nearby Flood Claims	10 (2015–2026)
Claims Outside the SFHA	3 of 10
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 · 6 claims Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 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

Wildfire risk around 428 Jackson Br is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 66% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

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