441 Oak St, Richmond, KY 40475 Property Records

Madison County property record for 441 Oak St, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,575 sqft
Lot Size	0.182 acres (7,928 sqft)
Owner	Company Name on Record
Last Sale	$3,450,000 (Mar 2026)
Tax Bill	$2,498 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R006-0009-0027`

Property Details

APN / Parcel Number

Primary APN	`R006-0009-0027`
Alternative APNs	`116328` `79408` `45704`

Interior

Stories	2 Stories
Building Area	2,575 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	7,928 sqft (0.182 acres)
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	45704
Street Address	441 OAK ST
City	RICHMOND
State	KY
Zip	40475-1311
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	2012
Census Tract	10602

Owner

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

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

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

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANCORP
Mar 16, 2026	Warranty Deed, Transfer · Commercial Mortgage PBT BANCORP
Nov 16, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	Jul 28, 2009 · Amount on Record
Deed Document Number	202614327769
Deed Book / Page	880 / 278
Prior Transfer Date	Jun 25, 2009
Prior Transfer Doc	00D648/137
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	441 OAK ST, RICHMOND, KY 40475-1311
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 Recorded
Term	84 Months
Due	Sep 28, 2033

Interest

Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Mar 16, 2026
Property Address	441 OAK ST, RICHMOND, KY 40475-1311
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 & ESCROW

Transaction

Amount	Amount Recorded
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	0M2451/778
Date	Mar 16, 2026
Book Page	M2451/778
Instrument	2014327774

Lender

Name	PBT BANCORP
Type	Non-Lending Institution
Address	HAZARD, KY 41701

Agreement

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

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	441 OAK ST, RICHMOND, KY 40475-1311
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01775/265
Date	Nov 16, 2017
Book Page	M01775/265
Instrument	2013967950

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Apr 20, 2018

Tax Assessment & Valuation

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	$2,498.00 (-2.8%)	$265,000 (-)	$265,000 (-)
2023	$2,570.00 (+153.95%)	$265,000 (+154.56%)	$265,000 (+154.56%)
2022	$1,012.00	$104,100	$104,100

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

Flood

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

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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures