Madison County property record for 704 Tower Dr, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $249,950 (Jan 2025) |
| Tax Bill | $2,357 (2025) |
| Deeds & Mortgages | Aug 2024 Line of Credit Jan 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0070-0035-0106 |
| Primary APN | 0070-0035-0106 |
|---|---|
| Alternative APNs |
|
| Account Number | 57326 |
|---|---|
| Street Address | 704 TOWER DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8351 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | ORCHARD HILLS LOT 106 PH 4 |
| Legal Phase | 4 |
| Legal Lot Number | 106 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 10901 |
704 Tower Dr is owned and occupied by an individual who bought it in January 2025.
Source: Madison County records, as of January 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 704 TOWER DR, RICHMOND, KY 40475-8351 |
| 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 |
|---|---|
| Aug 1, 2024 | Deed of Trust, Mortgage · Line of Credit FIELD & MAIN BANK |
| Jan 31, 2025 | Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC |
| Feb 11, 2022 | Quit Claim Deed, Transfer Quitclaim |
| May 14, 2021 | Deed, Construction Loan · Line of Credit WHITAKER BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2025 · Amount on File |
| Deed Sale | Jan 31, 2025 · Amount on File |
| Prior Sale | Feb 11, 2022 |
| Deed Document Number | 2014244052 |
| Deed Book / Page | D863 / 494 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 704 TOWER DR, RICHMOND, KY 40475-8351 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M2316/700 |
|---|---|
| Date | Aug 1, 2024 |
| Book Page | M2316/700 |
| Instrument | 2014215364 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42419 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jul 19, 2039 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 31, 2025 |
| Property Address | 704 TOWER DR, RICHMOND, KY 40475-8351 |
| Document Number | 00D863/494 |
| Book / Page | D863 / 494 |
| Map Reference | MB 29 PG 220 |
| Instrument Date | Jan 17, 2025 |
| Instrument | 2014244052 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | UNKNOWN, LAND GROUP TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4347, MIDWAY, KY 40347-4347 |
| Name | Verified Name |
|---|---|
| Address | 704 TOWER DR, RICHMOND, KY 40475-8351 |
| Document Number | 2014244058 |
|---|---|
| Date | Jan 31, 2025 |
| Instrument | 2014244058 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 11, 2022 |
| Property Address | 704 TOWER DR, RICHMOND, KY 40475-8351 |
| Document Number | 00D818/356 |
| Book / Page | D818 / 356 |
| Map Reference | MB 29 PG 220 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2014076942 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4347, MIDWAY, KY 40347-4347 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 4347, MIDWAY, KY 40347-4347 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 14, 2021 |
| Property Address | 704 TOWER DR, RICHMOND, KY 40475-8351 |
| Document Number | 00D805/181 |
| Book / Page | D805 / 181 |
| Map Reference | MB 29 PG 220 |
| Instrument Date | May 3, 2021 |
| Instrument | 2014036930 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $36.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 324 OLD GARRARD RD, BEREA, KY 40403-6507 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 4347, MIDWAY, KY 40347-4347 |
| Document Number | 0M2052/745 |
|---|---|
| Date | May 14, 2021 |
| Book Page | M2052/745 |
| Instrument | 2014036931 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 13, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 704 Tower Dr was $2,357 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,357.00 Additional exemption filed | $249,950 | $249,950 |
| 2023 | $2,182.00 (-0.32%) | $225,000 (-) | $225,000 (-) |
| 2022 | $2,189.00 | $225,000 | $225,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 Tower 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 9 (5% 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 704 Tower Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% 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 | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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