Madison County property record for 643 Four Winds Dr, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Owner | 2 Individual Names on Record |
| Last Sale | $291,000 (Jun 2022) |
| Tax Bill | $2,744 (2025) |
| Deeds & Mortgages | Aug 2025 Sale Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0055-0012-0133 |
| Primary APN | 0055-0012-0133 |
|---|---|
| Alternative APNs |
|
| Account Number | 43049 |
|---|---|
| Street Address | 643 FOUR WINDS DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1475 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | GREY OAKS LOT 133 PH 3 |
| Legal Subdivision | GREY OAKS |
| Legal Phase | 3 |
| Legal Lot Number | 133 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 10601 |
Source: Madison County records, as of May 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 643 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 15, 2025 | Deed, Transfer |
| Jun 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage WHITAKER BANK INC |
| May 25, 2022 | Deed, Subdivision Related Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2022 · Amount on Record |
| Deed Sale | Jun 21, 2022 · Amount on Record |
| Prior Sale | May 25, 2022 · Amount on Record |
| Deed Document Number | 202214097068 |
| Deed Book / Page | 825 / 65 |
| Last Transfer Date | Aug 14, 2025 |
| Transfer Doc | 00D871/662 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 15, 2025 |
| Property Address | 643 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D871/662 |
| Book / Page | D871 / 662 |
| Map Reference | MB 29 PG 118 |
| Instrument Date | Aug 14, 2025 |
| Instrument | 2014278829 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 643 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 21, 2022 |
| Property Address | 643 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 000D825/65 |
| Book / Page | D825 / 65 |
| Map Reference | MB 29 PG 118 |
| Instrument Date | Jun 16, 2022 |
| Instrument | 2014097068 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $291.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 135 COLLEGE HILL RD, WACO, KY 40385-9701 |
| Name | Verified Name |
|---|
| Document Number | 2014097069 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 2014097069 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 25, 2022 |
| Property Address | 643 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D823/658 |
| Book / Page | D823 / 658 |
| Map Reference | CAB P29 SL 188 |
| Instrument Date | May 19, 2022 |
| Instrument | 2014093553 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 20, 2026 |
| 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 | 135 COLLEGE HILL RD, WACO, KY 40385-9701 |
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 | $2,744.00 (-2.76%) | $291,000 (-) | $291,000 (-) |
| 2023 | $2,822.00 (+1,194.5%) | $291,000 (+1,193.33%) | $291,000 (+1,193.33%) |
| 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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