Madison County property record for 604 Four Winds Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,903 sqft |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Jun 2020) |
| Tax Bill | $3,489 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0055-0012-0030 |
| Primary APN | 0055-0012-0030 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,903 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 71548 |
|---|---|
| Street Address | 604 FOUR WINDS DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREY OAKS LOT 30 PH 1 |
| Legal Subdivision | GREY OAKS |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10601 |
604 Four Winds Dr is owned and occupied by an individual who bought it in June 2020.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 604 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS BANK |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2020 · Amount on File |
| Deed Sale | Jun 30, 2020 · Amount on File |
| Prior Sale | Sep 27, 2011 · Amount on File |
| Deed Document Number | 2014014846 |
| Deed Book / Page | D00789 / 760 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 30, 2020 |
| Property Address | 604 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | D00789/760 |
| Book / Page | D00789 / 760 |
| Map Reference | CAB 23 SL 322 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 2014014846 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $370.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 233 WARD HALL MNR, 233, GEORGETOWN, KY 40324-6150 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 604 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 2014014847 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 2014014847 |
| Name | FIRST SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 604 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | M01930/687 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | M01930/687 |
| Instrument | 2014010037 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
The 2025 property tax bill for 604 Four Winds Dr was $3,489 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $3,489.00 Additional exemption filed | $370,000 | $370,000 |
| 2023 | $3,589.00 (-0.31%) | $370,000 (-) | $370,000 (-) |
| 2022 | $3,600.00 | $370,000 | $370,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 604 Four Winds Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 604 Four Winds Dr is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 250 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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