103 Westside Dr, Richmond, KY 40475 Property Records

Madison County property record for 103 Westside Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,654 sqft
Lot Size	0.826 acres (35,991 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Oct 2018)
Tax Bill	$3,470 (2025)
Deeds & Mortgages	May 2017 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031B-0000-0054`

Property Details

APN / Parcel Number

Primary APN	`031B-0000-0054`
Alternative APNs	`125092` `88024` `54682`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,654 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,991 sqft (0.826 acres)
Garage Type	Attached
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	54682
Street Address	103 WESTSIDE DR
City	RICHMOND
State	KY
Zip	40475-8656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILL-O-MAC PLACE LOT 54 & 54A
Legal Subdivision	WILL-O-MAC
Legal Lot Number	54,54A
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	1
Census Block	1010
Census Tract	10802

Owner

Source: Madison County records, as of October 13, 2026

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	103 WESTSIDE DR, RICHMOND, KY 40475-8656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 29, 2018	Deed, Transfer KENTUCKY BANK
Sep 13, 2018	Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Deed Document Number	20182013983906
Deed Book / Page	766 / 209
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	103 WESTSIDE DR, RICHMOND, KY 40475-8656
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01740/555
Date	May 4, 2017
Book Page	M01740/555
Instrument	2013958147

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	103 WESTSIDE DR, RICHMOND, KY 40475-8656
Transaction Type	Mortgage
Record Updated	Feb 14, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01914/350
Date	Jan 28, 2020
Book Page	M01914/350
Instrument	2014006155

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Aug 1, 2047

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 29, 2018
Property Address	103 WESTSIDE DR, RICHMOND, KY 40475-8656
Document Number	D00766/209
Book / Page	D00766 / 209
Map Reference	MB1 PG100
Instrument Date	Oct 17, 2018
Instrument	2013983906
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 WIMBERLY PL, 201, RICHMOND, KY 40475-3541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WESTSIDE DR, RICHMOND, KY 40475-8656

Mortgage

Document Number	2013983907
Date	Oct 29, 2018
Instrument	2013983907

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Oct 16, 2020

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	103 WESTSIDE DR, RICHMOND, KY 40475-8656
Transaction Type	Mortgage
Record Updated	Sep 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01824/100
Date	Sep 13, 2018
Book Page	M01824/100
Instrument	2013981831

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,470.00 (-2.77%)	$368,000 (-)	$368,000 (-)
2023	$3,569.00	$368,000	$368,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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