Madison County property record for 638 Four Winds Dr, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $332,500 (Feb 2026) |
| Tax Bill | $3,017 (2025) |
| Deeds & Mortgages | Dec 2020 Construction Loan Feb 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0055-0012-0086 |
| Primary APN | 0055-0012-0086 |
|---|---|
| Alternative APNs |
|
| Account Number | 57630 |
|---|---|
| Street Address | 638 FOUR WINDS DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1475 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | GREY OAKS LOT 86 PH 3 |
| Legal Subdivision | GREY OAKS |
| Legal Phase | 3 |
| Legal Lot Number | 86 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10601 |
638 Four Winds Dr is owned by an individual who bought it in February 2026.
Source: Madison County records, as of May 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 638 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
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 |
|---|---|
| Dec 18, 2020 | Deed of Trust, Mortgage · Construction Mortgage CITIZENS GUARANTY BANK |
| Feb 25, 2026 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 31, 2024 | Deed, Transfer · VA Mortgage USAA FSB |
| Jul 15, 2021 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2026 · Amount on File |
| Deed Sale | Feb 25, 2026 · Amount on File |
| Prior Sale | Jul 31, 2024 · Amount on File |
| Deed Document Number | 202614321735 |
| Deed Book / Page | 879 / 560 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 638 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | M02005/596 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | M02005/596 |
| Instrument | 2014026142 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | IRVINE, KY 40336 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 17, 2021 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 25, 2026 |
| Property Address | 638 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D879/560 |
| Book / Page | D879 / 560 |
| Map Reference | CAB P29 SL 118 |
| Instrument Date | Feb 13, 2026 |
| Instrument | 2014321735 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | LAND GROUP TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $332.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 621 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Name | Verified Name |
|---|---|
| Address | 638 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 2014321736 |
|---|---|
| Date | Feb 25, 2026 |
| Instrument | 2014321736 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 31, 2024 |
| Property Address | 638 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D855/562 |
| Book / Page | D855 / 562 |
| Map Reference | CAB P29 SL 118 |
| Instrument Date | Jun 28, 2024 |
| Instrument | 2014215046 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | CLEAR TITLE RECORDINGS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1400 GIBSON BAY DR # 129, 129, RICHMOND, KY 40475-3800 |
| Name | Verified Name |
|---|---|
| Address | 638 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 2014215048 |
|---|---|
| Date | Jul 31, 2024 |
| Instrument | 2014215048 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 15, 2021 |
| Property Address | 638 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D808/494 |
| Book / Page | D808 / 494 |
| Map Reference | CAB P29 SL 118 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 2014044651 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $280.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 361 REGES RD, IRVINE, KY 40336-8441 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 638 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Mail Care Of | LAWRENCE ROY CLIFFORD AND CAROL LEE CLIF |
The 2025 property tax bill for 638 Four Winds Dr was $3,017.
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 | $3,017.00 | $320,000 | $320,000 |
| 2023 | $2,265.00 (-2.75%) Homeowner's exemption | $279,900 (-) | $279,900 (-) |
| 2022 | $2,329.00 Homeowner's exemption | $279,900 | $279,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 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 638 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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