Madison County property record for 428 North St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,310 sqft |
| Lot Size | 0.116 acres (5,064 sqft) |
| Owner | Company Name on File |
| Last Sale | $54,000 (Jun 2005) |
| Tax Bill | $754 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Dec 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0027-0003 |
| Primary APN | R005-0027-0003 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,310 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 5,064 sqft (0.116 acres) |
| Account Number | 47310 |
|---|---|
| Street Address | 428 NORTH ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 10602 |
428 North St is owned by a company that bought it in June 2005.
Source: Madison County records, as of October 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 115 WALTON AVE, LEXINGTON, KY 40508-2315 |
| 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 |
|---|---|
| Nov 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HOMEWARD RESIDENTIAL INC |
| Dec 13, 2021 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Apr 19, 2022 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Jul 7, 2021 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2005 · Amount on File |
| Deed Sale | Jun 15, 2005 · Amount on File |
| Deed Document Number | 2005347334 |
| Deed Book / Page | 0591 / 158 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 428 NORTH ST, RICHMOND, KY 40475-1462 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01773/091 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | M01773/091 |
| Instrument | 2013967257 |
| Name | HOMEWARD RESIDENTIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TX 75001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 428 NORTH ST, RICHMOND, KY 40475-1462 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2117/397 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | M2117/397 |
| Instrument | 2014068242 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 428 NORTH ST, RICHMOND, KY 40475-1462 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Title Company | NOT AVAILABLE, THE LAND GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0M2152/574 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | M2152/574 |
| Instrument | 2014087557 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 7, 2021 |
| Property Address | 428 NORTH ST, RICHMOND, KY 40475-1462 |
| Document Number | 00D808/121 |
| Book / Page | D808 / 121 |
| Instrument Date | Jul 1, 2021 |
| Instrument | 2014043831 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $55.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 408 BAY BERRY LN, RICHMOND, KY 40475-6842 |
| Name | Verified Name |
|---|---|
| Address | 1937 ARBOR STATION WAY, LEXINGTON, KY 40511-1158 |
The 2025 property tax bill for 428 North 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 | $533.00 (-0.37%) | $55,000 (-) | $55,000 (-) |
| 2022 | $535.00 | $55,000 | $55,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 North 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.
The area around 428 North St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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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