Madison County property record for 444 E Main St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,017 sqft |
| Lot Size | 0.178 acres (7,764 sqft) |
| Owner | Company Name on Record |
| Last Sale | $295,000 (May 2026) |
| Tax Bill | $971 (2025) |
| Deeds & Mortgages | May 2026 Sale & Construction Loan May 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | R009-0013-0007 |
| Primary APN | R009-0013-0007 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,017 sqft Living Area |
| 1st Floor Area | 1,017 sqft |
| Basement Area | 1,017 sqft |
| Unfinished Basement | 1,017 sqft |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 7,764 sqft (0.178 acres) |
| Account Number | 71100 |
|---|---|
| Street Address | 444 E MAIN ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT C-1 |
| Legal Subdivision | FANNIE STAPP SPURLIN & FRED DAY PROPERTY |
| Legal Lot Number | C-1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 10400 |
Source: Madison County records, as of June 2, 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 | 111 LAKE RIDGE DR, RICHMOND, KY 40475-8636 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| May 5, 2026 | Deed, Transfer · Construction Mortgage CUMBERLAND VALLEY NATIONAL BANK AND TRUST |
| May 5, 2026 | Deed, Transfer · Construction Mortgage CUMBERLAND VALLEY NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on Record |
| Deed Sale | May 5, 2026 · Amount on Record |
| Deed Document Number | 202614344962 |
| Deed Book / Page | 882 / 306 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 5, 2026 |
| Property Address | 444 E MAIN ST, RICHMOND, KY 40475-1651 |
| Document Number | 0014344962 |
| Book / Page | 882 / 306 |
| Instrument Date | Apr 17, 2025 |
| Instrument | 2026.14344962 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29,795.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 111 LAKE RIDGE DR, RICHMOND, KY 40475-8636 |
| Document Number | 0014344962, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 2465/378 |
| Instrument | 2026.14344962 |
| Name | CUMBERLAND VALLEY NATIONAL BANK AND TRUST |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 17, 2046 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 5, 2026 |
| Property Address | 444 E MAIN ST, RICHMOND, KY 40475-1651 |
| Document Number | 00D882/306 |
| Book / Page | 882 / 306 |
| Instrument Date | Apr 17, 2025 |
| Instrument | 202614344962 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29,795.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 111 LAKE RIDGE DR, RICHMOND, KY 40475-8636 |
| Document Number | 0014344962, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 2465/378 |
| Instrument | 202614344962 |
| Name | CUMBERLAND VALLEY NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 17, 2046 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
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 | $971.00 (+6.35%) | $103,000 (+9.34%) | $103,000 (+9.34%) |
| 2023 | $913.00 (-0.33%) | $94,200 (-) | $94,200 (-) |
| 2022 | $916.00 | $94,200 | $94,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% 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 | 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 230 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 | 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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