Madison County property record for 904 Wisdom Ln, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $379,000 (Oct 2014) |
| Tax Bill | $3,554 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0057-0011-0042 |
| Primary APN | 0057-0011-0042 |
|---|---|
| Alternative APNs |
|
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Account Number | 60478 |
|---|---|
| Street Address | 904 WISDOM LN |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KINGS GATE LOT 42 PH 2 |
| Legal Subdivision | KINGS GATE |
| Legal Phase | 2 |
| Legal Block | 2 |
| Legal Lot Number | 42 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 10902 |
904 Wisdom Ln is owned and occupied by two individuals who bought it in October 2014.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 904 WISDOM LN, RICHMOND, KY 40475-8839 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2014 · Amount on File |
| Deed Sale | Oct 14, 2014 · Amount on File |
| Deed Document Number | 0000709149 |
| Deed Book / Page | D0593 / 445 |
| Prior Transfer Date | Jul 29, 2005 |
| Prior Transfer Doc | 350141 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 904 WISDOM LN, RICHMOND, KY 40475-8839 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01939/550 |
|---|---|
| Date | May 18, 2020 |
| Book Page | M01939/550 |
| Instrument | 2014012116 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 296 Months |
| Due | Jan 1, 2045 |
The 2025 property tax bill for 904 Wisdom Ln was $3,554 with a homeowner's 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 | $3,554.00 Homeowner's exemption | $426,000 | $426,000 |
| 2023 | $3,634.00 Homeowner's exemption | $421,000 | $421,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 904 Wisdom Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 904 Wisdom Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% 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 | 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 34 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 |
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