Madison County property record for 641 North St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3,250 sqft |
| Lot Size | 0.463 acres (20,194 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Mar 2023) |
| Tax Bill | $4,007 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jan 2021 Construction Loan + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0020-0033 |
| Primary APN | R005-0020-0033 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,250 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 20,194 sqft (0.463 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 57017 |
|---|---|
| Street Address | 641 NORTH ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Legal Subdivision | SOUTH BLUEGRASS CENTER PH I |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10602 |
641 North St is owned and occupied by two individuals who bought it in March 2023.
Source: Madison County records, as of March 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| 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 |
|---|---|
| Mar 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage EXTREME LOANS LLC |
| Jan 15, 2021 | Deed of Trust, Mortgage · Construction Mortgage FIRST SOUTHERN NATIONAL BANK |
| Jun 25, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST SOUTHERN NATIONAL BANK |
| Feb 6, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Mar 29, 2023 | Deed, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO |
| Mar 16, 2020 | Warranty Deed, Transfer FIRST SOUTHERN NATIONAL BANK |
| Oct 17, 2018 | Deed, Transfer |
| Dec 12, 2017 | Deed, Transfer |
| Jun 16, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2023 · Amount on File |
| Deed Sale | Mar 29, 2023 · Amount on File |
| Prior Sale | Mar 16, 2020 · Amount on File |
| Deed Document Number | 202314138206 |
| Deed Book / Page | 836 / 305 |
| Prior Transfer Date | Jun 15, 2017 |
| Prior Transfer Doc | D00746/218 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Document Number | 000M2453/1 |
|---|---|
| Date | Mar 19, 2026 |
| Book Page | M2453/1 |
| Instrument | 2014328811 |
| Name | EXTREME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2013/211 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | M2013/211 |
| Instrument | 2014027677 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Nov 19, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M2067/18 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | M2067/18 |
| Instrument | 2014042481 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 213 ERIC DR, RICHMOND, KY 40475-7854 |
| Document Number | 0M2215/634 |
|---|---|
| Date | Feb 6, 2023 |
| Book Page | M2215/634 |
| Instrument | 2014130604 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 35 Months |
| Due | Jan 25, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 29, 2023 |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Document Number | 00D836/305 |
| Book / Page | D836 / 305 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 2014138206 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $425.00 |
| Amount Accuracy | Redemption Amount |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 213 ERIC DR, RICHMOND, KY 40475-7854 |
| Name | Verified Name |
|---|---|
| Address | 2305 TANKSLEY WAY, LEXINGTON, KY 40511-8578 |
| Document Number | 2014138208 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 2014138208 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 16, 2020 |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Document Number | D00785/584 |
| Book / Page | D00785 / 584 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 2014008971 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $71.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3844 S HIGHWAY 27C, SOMERSET, KY 42501 |
| Name | Verified Name |
|---|---|
| Address | 213 ERIC DR, RICHMOND, KY 40475-7854 |
| Document Number | 2014008972 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | 2014008972 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 12 Months |
| Due | Mar 12, 2021 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 17, 2018 |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Document Number | D00765/732 |
| Book / Page | D00765 / 732 |
| Map Reference | MB10 PG89 |
| Instrument Date | Oct 12, 2018 |
| Instrument | 2013983422 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 171 KIDWELL LN, WACO, KY 40385-9621 |
| Name | Verified Name |
|---|---|
| Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 12, 2017 |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Document Number | D00753/549 |
| Book / Page | D00753 / 549 |
| Instrument Date | Dec 11, 2017 |
| Instrument | 2013968969 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Name | Verified Name |
|---|---|
| Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 16, 2017 |
| Property Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
| Document Number | D00746/218 |
| Book / Page | D00746 / 218 |
| Instrument Date | Jun 15, 2017 |
| Instrument | 2013960181 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 206 RICHMOND MALL, RICHMOND, KY 40475-2753 |
| Name | Verified Name |
|---|---|
| Address | 641 NORTH ST, RICHMOND, KY 40475-1354 |
The 2025 property tax bill for 641 North St was $4,007.
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 | $4,007.00 | $425,000 | $425,000 |
| 2023 | $693.00 (-0.29%) | $71,500 (-) | $71,500 (-) |
| 2022 | $695.00 | $71,500 | $71,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 641 North St in Zone X, an area of minimal flood risk.
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 risk around 641 North St is low, with less than 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 99.1% of the US · lower than 99.2% 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 512 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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