Madison County property record for 655 Four Winds Dr, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Owner | Individual Name on Record |
| Last Sale | $269,900 (Aug 2021) |
| Tax Bill | $2,616 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0055-0012-0139 |
| Primary APN | 0055-0012-0139 |
|---|---|
| Alternative APNs |
|
| Account Number | 40454 |
|---|---|
| Street Address | 655 FOUR WINDS DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1475 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | GREY OAKS LOT 139 PH 3 |
| Legal Subdivision | GREY OAKS |
| Legal Phase | 3 |
| Legal Lot Number | 139 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 655 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · Unknown PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Aug 12, 2021 | Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on Record |
| Deed Sale | Aug 12, 2021 · Amount on Record |
| Deed Document Number | 2014047880 |
| Deed Book / Page | D810 / 1 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 655 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M2039/239 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | M2039/239 |
| Instrument | 2014032749 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 12, 2021 |
| Property Address | 655 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 0000D810/1 |
| Book / Page | D810 / 1 |
| Map Reference | CAB 29 SL 118 |
| Instrument Date | Aug 10, 2021 |
| Instrument | 2014047880 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 945 AUCKLAND AVE, RICHMOND, KY 40475-6526 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 655 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 2014047881 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 2014047881 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $2,616.00 (-0.08%) Additional exemption filed | $277,500 (+2.82%) | $277,500 (+2.82%) |
| 2023 | $2,618.00 (-0.3%) | $269,900 (-) | $269,900 (-) |
| 2022 | $2,626.00 | $269,900 | $269,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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