Madison County property record for 827 E Main St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 2,080 sqft |
| Owner | 2 Individual Names on Record |
| Last Sale | $70,000 (Apr 2001) |
| Tax Bill | $1,235 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R009-0031-0013 |
| Primary APN | R009-0031-0013 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,080 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|
| Account Number | 71545 |
|---|---|
| Street Address | 827 E MAIN ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-2060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RICHMOND INVESTMENT LOTS 3 & 4 BLK 11 |
| Legal Block | 11 |
| Legal Lot Number | 3,4 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 10303 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 827 E MAIN ST, RICHMOND, KY 40475-2060 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 26, 2017 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Nov 12, 2021 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2001 · Amount on Record |
| Deed Sale | Apr 18, 2001 · Amount on Record |
| Deed Document Number | 0000052863 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 827 E MAIN ST, RICHMOND, KY 40475-2060 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | M01725/279 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | M01725/279 |
| Instrument | 2013953581 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Feb 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 827 E MAIN ST, RICHMOND, KY 40475-2060 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M2109/577 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | M2109/577 |
| Instrument | 2014063485 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Oct 1, 2041 |
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 | $1,235.00 (+30.97%) Additional exemption filed | $131,000 (+34.64%) | $131,000 (+34.64%) |
| 2023 | $943.00 (-0.32%) | $97,300 (-) | $97,300 (-) |
| 2022 | $946.00 | $97,300 | $97,300 |
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 | 3 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 94% of the US · lower than 95% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 382 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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