433 Oak St, Richmond, KY 40475 Property Records

Madison County property record for 433 Oak St, Richmond, KY 40475

Property Summary

Property Type	Apartments (5+ Units)
Details	5,946 sqft · built 2013
Lot Size	0.188 acres (8,227 sqft)
Owner	Company Name on File
Last Sale	$3,450,000 (Mar 2026)
Tax Bill	$3,347 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R006-0009-0025`

Property Details

APN / Parcel Number

Primary APN	`R006-0009-0025`
Alternative APNs	`116330` `79407` `45705`

Interior

Units	3 Units
Stories	2 Stories
Building Area	5,946 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	8,227 sqft (0.188 acres)

Location & Zoning

Account Number	45705
Street Address	433 OAK ST
City	RICHMOND
State	KY
Zip	40475-1773
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	DESC
Legal Subdivision	DAVID WILLIAMS
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2012
Census Tract	10602

Owner

433 Oak St, a residential property, is owned by a company that bought it in March 2026.

Source: Madison County records, as of October 12, 2026

Owner of Record	Company Name on File
Mailing Address	513 FARMINGTON CT, RICHMOND, KY 40475-2272
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANCORP
Apr 28, 2025	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK RUSSELL SPRINGS
Oct 3, 2011	Deed of Trust, Mortgage · Commercial Mortgage MADISON BANK
Mar 16, 2026	Warranty Deed, Transfer · Commercial Mortgage PBT BANCORP
Mar 28, 2022	Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK RUSSELL SPRINGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	Mar 28, 2022 · Amount on File
Deed Document Number	202614327769
Deed Book / Page	880 / 278
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Sep 28, 2026
Property Address	433 OAK ST, RICHMOND, KY 40475-1773
Document Number	0014378983
Book / Page	2504 / 269
Instrument Date	Sep 28, 2026
Instrument	202614378983
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	FOUNDATION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	513 FARMINGTON CT, RICHMOND, KY 40475-2272

Mortgage

Document Number	0014378983,
Date	Sep 28, 2026
Book Page	2504/269
Instrument	202614378983

Lender

Name	BANCORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Sep 28, 2033

Interest

Max Rate	-1%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	433 OAK ST, RICHMOND, KY 40475-1773
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2374/494
Date	Apr 28, 2025
Book Page	M2374/494
Instrument	2014257321

Lender

Name	FIRST NATIONAL BANK RUSSELL SPRINGS
Type	Bank
Address	RUSSELL SPRINGS, KY 42642

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 25, 2045

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	433 OAK ST, RICHMOND, KY 40475-1773
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1413/638
Date	Oct 3, 2011
Book Page	M1413/638
Instrument	466582

Lender

Name	MADISON BANK
Type	Bank
Address	RICHMOND, KY 40476

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	9 Months
Due	Jun 30, 2012

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Mar 16, 2026
Property Address	433 OAK ST, RICHMOND, KY 40475-1773
Document Number	00D880/278
Book / Page	D880 / 278
Instrument Date	Mar 13, 2026
Instrument	2014327769
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	FOUNDATION TITLE AND ESCROW LLC, FOUNDATION TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2710 PINE GROVE RD, PARIS, KY 40361-9002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 FARMINGTON CT, RICHMOND, KY 40475-2272

Mortgage

Document Number	2014327774
Date	Mar 16, 2026
Instrument	2014327774

Lender

Name	PBT BANCORP
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Mar 13, 2051

Interest

Rate Type	Adjustable Rate

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 28, 2022
Property Address	433 OAK ST, RICHMOND, KY 40475-1773
Document Number	00D820/540
Book / Page	D820 / 540
Instrument Date	Mar 25, 2022
Instrument	2014083514
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	603 W MAIN ST, 603, RICHMOND, KY 40475-1350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 NORTHGATE DR, RICHMOND, KY 40475

Mortgage

Document Number	2014083515
Date	Mar 28, 2022
Instrument	2014083515

Lender

Name	FIRST NATIONAL BANK RUSSELL SPRINGS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Mar 25, 2047

Mortgage

Document Number	0M2145/576
Date	Mar 28, 2022
Book Page	M2145/576
Instrument	2014083518

Lender

Name	DAVID L WILLIAMS ETAL
Type	Private Party
Address	603 W MAIN ST, RICHMOND, KY 40475

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	24 Months
Due	Mar 25, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 433 Oak St was $3,347.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,347.00	$355,000	$355,000
2023	$3,443.00 (+80.55%)	$355,000 (+81.12%)	$355,000 (+81.12%)
2022	$1,907.00	$196,000	$196,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 433 Oak 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

Wildfire risk around 433 Oak 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 94% of the US · lower than 95% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 312 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

May also be available: T-Mobile.

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