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435 Laurel St, Richmond, KY 40475 Property Records

Madison County property record for 435 Laurel St, Richmond, KY 40475

Property Summary

Property TypeSingle Family Home
Details997 sqft
Lot Size0.151 acres (6,607 sqft)
OwnerCompany Name on Record
Last Sale$61,041 (May 2026)
Tax Bill$914 (2025)
Deeds & MortgagesMay 2026 Sale & Construction Loan
Jan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNR007-0013-0022

Property Details

APN / Parcel Number

Primary APNR007-0013-0022
Alternative APNs
  • 112479
  • 75599
  • 41688

Interior

Stories1 Story
Building Area997 sqft Living Area

Exterior

Exterior MaterialAluminum/Vinyl
Lot Area6,607 sqft (0.151 acres)

Location & Zoning

Account Number41688
Street Address435 LAUREL ST
CityRICHMOND
StateKY
Zip40475-1239
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBROOKS & EVANS
JurisdictionMADISON KY
Township / Civil DivisionRICHMOND
Census Block Group2
Census Block2000
Census Tract10602

Owner

Source: Madison County records, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address101 DEEPWOOD DR, RICHMOND, KY 40475-2225
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
May 11, 2026Deed, Transfer · Construction Mortgage
NONE LISTED ON DOCUMENT
Jan 25, 2018Deed, Transfer · FHA Mortgage
STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 11, 2026 · Amount on Record
Deed SaleMay 11, 2026 · Amount on Record
Prior SaleJan 25, 2018 · Amount on Record
Deed Document Number202614347271
Deed Book / Page882 / 517
Record UpdatedSep 20, 2026

May 2026: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateMay 11, 2026
Property Address435 LAUREL ST, RICHMOND, KY 40475-1239
Document Number0014347271
Book / Page882 / 517
Instrument DateMay 7, 2026
Instrument2026.14347271
Transaction TypeTransfer
Record UpdatedMay 27, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$6,165.04
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership
Address101 DEEPWOOD DR, RICHMOND, KY 40475-2225

Mortgage

Document Number0014347271,
DateMay 11, 2026
Book Page2466/498
Instrument2026.14347271
Lender
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueMay 7, 2027
Interest
Rate6.38%
Max Rate-1%

January 2018: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateJan 25, 2018
Property Address435 LAUREL ST, RICHMOND, KY 40475-1239
Document NumberD00755/220
Book / PageD00755 / 220
Instrument DateJan 15, 2018
Instrument2013970817
Transaction TypeTransfer
Record UpdatedDec 17, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$67.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address155 MINTON RD, 155, LONDON, KY 40744-9201

Transferred To (Grantee/Buyer)

NameVerified Name
Address435 LAUREL ST, RICHMOND, KY 40475-1239

Mortgage

Document Number2013970818
DateJan 25, 2018
Instrument2013970818
Lender
NameSTOCKTON MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyMadison County
MunicipalityRichmond City
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$914.00 (+34.21%)$97,000 (+37.98%)$97,000 (+37.98%)
2023$681.00 (-0.44%)$70,300 (-)$70,300 (-)
2022$684.00$70,300$70,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 98% of the US · lower than 98.2% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemMADISON CO UTILITIES DISTRICT
serves 25,120 people · EPA ID KY0760224
Water SourcePurchased surface water from RICHMOND UTILITIES
Last State InspectionNov 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Jun 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 512 locations within half a mile, as of December 31, 2025

ProviderMax 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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