Madison County property record for 656 Four Winds Dr, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (May 2023) |
| Tax Bill | $2,687 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0055-0012-0077 |
| Primary APN | 0055-0012-0077 |
|---|---|
| Alternative APNs |
|
| Account Number | 57893 |
|---|---|
| Street Address | 656 FOUR WINDS DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1475 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | GREY OAKS LOT 77 PH 3 |
| Legal Subdivision | GREY OAKS |
| Legal Phase | 3 |
| Legal Lot Number | 77 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10601 |
656 Four Winds Dr is owned by two individuals who bought it in May 2023.
Source: Madison County records, as of May 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 656 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| 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 |
|---|---|
| May 26, 2023 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 6, 2021 | Deed, Subdivision Related Transfer · Conventional Mortgage KENTUCKY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2023 · Amount on File |
| Deed Sale | May 26, 2023 · Amount on File |
| Prior Sale | May 6, 2021 · Amount on File |
| Deed Document Number | 202314147243 |
| Deed Book / Page | 838 / 702 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 26, 2023 |
| Property Address | 656 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D838/702 |
| Book / Page | D838 / 702 |
| Map Reference | CAB P29 SL 118 |
| Instrument Date | May 22, 2023 |
| Instrument | 2014147243 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7433 35TH LN E, SARASOTA, FL 34243-3383 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 656 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 2014147250 |
|---|---|
| Date | May 26, 2023 |
| Instrument | 2014147250 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 6, 2021 |
| Property Address | 656 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 00D804/637 |
| Book / Page | D804 / 637 |
| Map Reference | CAB P29 SL 118 |
| Instrument Date | May 4, 2021 |
| Instrument | 2014035854 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $257.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1511, RICHMOND, KY 40476-1511 |
| Name | Verified Name |
|---|---|
| Address | 656 FOUR WINDS DR, RICHMOND, KY 40475-1475 |
| Document Number | 2014035855 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 2014035855 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 656 Four Winds Dr was $2,687.
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 | $2,687.00 | $285,000 | $285,000 |
| 2023 | $2,497.00 (-0.32%) | $257,500 (-) | $257,500 (-) |
| 2022 | $2,505.00 | $257,500 | $257,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 656 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 656 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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