Madison County property record for 646 Four Winds Dr, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $281,000 (Sep 2021) |
| Tax Bill | $2,257 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Feb 2021 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0055-0012-0082 |
| Primary APN | 0055-0012-0082 |
|---|---|
| Alternative APNs |
|
| Account Number | 44959 |
|---|---|
| Street Address | 646 FOUR WINDS DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1475 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | GREY OAKS LOT 82 PH 3 |
| Legal Subdivision | GREY OAKS |
| Legal Phase | 3 |
| Legal Lot Number | 82 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10601 |
646 Four Winds Dr is owned and occupied by an individual who bought it in September 2021.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 646 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 |
|---|---|
| Sep 30, 2021 | Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Feb 5, 2021 | Deed, Transfer · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on File |
| Deed Sale | Sep 30, 2021 · Amount on File |
| Prior Sale | Feb 5, 2021 · Amount on File |
| Deed Document Number | 2014055685 |
| Deed Book / Page | D812 / 168 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 30, 2021 |
| Property Address | 646 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D812/168 |
| Book / Page | D812 / 168 |
| Map Reference | CAB P29 SL 118 |
| Instrument Date | Sep 28, 2021 |
| Instrument | 2014055685 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $281.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6019 ATWOOD DR STE 10, 10, RICHMOND, KY 40475-8361 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 646 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 2014055686 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 2014055686 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 5, 2021 |
| Property Address | 646 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D800/733 |
| Book / Page | D800 / 733 |
| Map Reference | CAB P29 SL 118 |
| Instrument Date | Jan 26, 2021 |
| Instrument | 2014029063 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $39.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 235 BOGGS LN STE 9, 9, RICHMOND, KY 40475-3325 |
| Name | Verified Name |
|---|---|
| Address | 6019 ATWOOD DR STE 10, 10, RICHMOND, KY 40475-8361 |
| Document Number | 2014029064 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 2014029064 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 646 Four Winds Dr was $2,257 with a homeowner's 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 | $2,257.00 Homeowner's exemption | $288,500 | $288,500 |
| 2023 | $2,276.00 (-16.75%) Homeowner's exemption | $281,000 (-) | $281,000 (-) |
| 2022 | $2,734.00 | $281,000 | $281,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 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 646 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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