Madison County property record for 641 Four Winds Dr, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Dec 2022) |
| Tax Bill | $2,224 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Nov 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0055-0012-0132 |
| Primary APN | 0055-0012-0132 |
|---|---|
| Alternative APNs |
|
| Account Number | 46504 |
|---|---|
| Street Address | 641 FOUR WINDS DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1475 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | GREY OAKS LOT 132 PH 3 |
| Legal Subdivision | GREY OAKS |
| Legal Phase | 3 |
| Legal Lot Number | 132 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 10601 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 641 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2022 | Deed, Transfer · Conventional Mortgage PARK COMMUNITY FCU |
| Nov 22, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2022 · Amount on Record |
| Deed Sale | Dec 22, 2022 · Amount on Record |
| Prior Sale | Nov 22, 2022 · Amount on Record |
| Deed Document Number | 2014124691 |
| Deed Book / Page | D823 / 52 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 22, 2022 |
| Property Address | 641 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 000D823/52 |
| Book / Page | D823 / 52 |
| Map Reference | MB P29 PG 118 |
| Instrument Date | Dec 16, 2022 |
| Instrument | 2014124691 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 301 REEVES RD, WACO, KY 40385-9623 |
| Name | Verified Name |
|---|---|
| Address | 641 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 2014124692 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 2014124692 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 5-Year CMT |
| Max Rate | 11.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 22, 2022 |
| Property Address | 641 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 000D832/12 |
| Book / Page | D832 / 12 |
| Map Reference | CAB P29 SL 118 |
| Instrument Date | Nov 8, 2022 |
| Instrument | 2014120963 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $39.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 145 N ESTILL AVE, RICHMOND, KY 40475-1909 |
| Name | Verified Name |
|---|---|
| Address | 301 REEVES RD, WACO, KY 40385-9623 |
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 | $2,224.00 (-19.54%) Homeowner's exemption | $285,000 (-) | $285,000 (-) |
| 2023 | $2,764.00 (+1,167.89%) | $285,000 (+1,166.67%) | $285,000 (+1,166.67%) |
| 2022 | $218.00 | $22,500 | $22,500 |
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 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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