Madison County property record for 1010 Caroline Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 2,790 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Jan 1998) |
| Tax Bill | $2,720 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0108-0002-0036 |
| Primary APN | 0108-0002-0036 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,790 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Account Number | 54035 |
|---|---|
| Street Address | 1010 CAROLINE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9598 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST POINT ESTS LOT 36 |
| Legal Subdivision | EAST POINT EST |
| Legal Lot Number | 36 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 11001 |
1010 Caroline Dr is owned and occupied by two individuals who bought it in January 1998.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1010 CAROLINE DR, RICHMOND, KY 40475-9598 |
| 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 |
|---|---|
| Feb 4, 2019 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Dec 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 1998 · Amount on File |
| Deed Sale | Jan 9, 1998 · Amount on File |
| Deed Document Number | 0000492762 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1010 CAROLINE DR, RICHMOND, KY 40475-9598 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01845/405 |
|---|---|
| Date | Feb 4, 2019 |
| Book Page | M01845/405 |
| Instrument | 2013987933 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jan 17, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1010 CAROLINE DR, RICHMOND, KY 40475-9598 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M02008/114 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | M02008/114 |
| Instrument | 2014026626 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 139 Months |
| Due | Jul 1, 2032 |
The 2025 property tax bill for 1010 Caroline Dr was $2,720 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 | $2,720.00 Additional exemption filed | $288,500 | $288,500 |
| 2023 | $2,798.00 | $288,500 | $288,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1010 Caroline Dr 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 1010 Caroline Dr is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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