Madison County property record for 428 Laurel St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,262 sqft |
| Lot Size | 0.156 acres (6,809 sqft) |
| Owner | Company Name on File |
| Last Sale | $20,000 (Jan 2017) |
| Tax Bill | $754 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Aug 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0020-0002 |
| Primary APN | R005-0020-0002 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,262 sqft Living Area |
| 1st Floor Area | 1,094 sqft |
| Basement Area | 1,094 sqft |
| Unfinished Basement | 1,094 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 6,809 sqft (0.156 acres) |
| Account Number | 54963 |
|---|---|
| Street Address | 428 LAUREL ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BROOKS & EVANS LOT 32 |
| Legal Subdivision | BROOK EVANS SUB |
| Legal Lot Number | 32 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10602 |
428 Laurel St is owned by a company that bought it in January 2017.
Source: Madison County records, as of December 12, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 240 RALLYE PT, SOUTH SHORE, KY 41175-7917 |
| Owner Type | Company |
| Vesting | 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 |
|---|---|
| Feb 16, 2017 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC |
| Aug 25, 2023 | Deed, Transfer |
| Jan 23, 2017 | Intrafamily Transfer, Transfer |
| Jan 23, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2017 · Amount on File |
| Deed Sale | Jan 23, 2017 · Amount on File |
| Prior Sale | Jul 12, 2011 · Amount on File |
| Deed Document Number | 20172013953399 |
| Deed Book / Page | 00740 / 444 |
| Prior Transfer Date | Jan 13, 2017 |
| Prior Transfer Doc | D00740/446 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 428 LAUREL ST, RICHMOND, KY 40475-1240 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01728/495 |
|---|---|
| Date | Feb 16, 2017 |
| Book Page | M01728/495 |
| Instrument | 2013954570 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Mar 5, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 25, 2023 |
| Property Address | 428 LAUREL ST, RICHMOND, KY 40475-1240 |
| Document Number | 00D842/572 |
| Book / Page | D842 / 572 |
| Instrument Date | Sep 25, 2018 |
| Instrument | 2014163669 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 240 RALLYE PT, SOUTH SHORE, KY 41175-7917 |
| Name | Verified Name |
|---|---|
| Address | 240 RALLYE PT, SOUTH SHORE, KY 41175-7917 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 23, 2017 |
| Property Address | 428 LAUREL ST, RICHMOND, KY 40475-1240 |
| Document Number | D00740/446 |
| Book / Page | D00740 / 446 |
| Map Reference | DD39 PG200 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 2013953400 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 240 RALLYE PT, SOUTH SHORE, KY 41175-7917 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 23, 2017 |
| Property Address | 428 LAUREL ST, RICHMOND, KY 40475-1240 |
| Document Number | D00740/444 |
| Book / Page | D00740 / 444 |
| Map Reference | DD39 PG200 |
| Instrument Date | Dec 2, 2016 |
| Instrument | 2013953399 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 828 LANE ALLEN RD # RD219, RD219, LEXINGTON, KY 40504-3658 |
| Name | Verified Name |
|---|---|
| Address | 240 RALLYE PT, SOUTH SHORE, KY 41175-7917 |
The 2025 property tax bill for 428 Laurel St was $754.
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 | $754.00 | $80,000 | $80,000 |
| 2023 | $388.00 (-0.26%) | $40,000 (-) | $40,000 (-) |
| 2022 | $389.00 | $40,000 | $40,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Laurel 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 Laurel 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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