Madison County property record for 1035 Caroline Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,344 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $99,000 (Jul 1999) |
| Tax Bill | $1,706 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2005 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0108-0002-0012 |
| Primary APN | 0108-0002-0012 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,344 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|
| Account Number | 66225 |
|---|---|
| Street Address | 1035 CAROLINE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9597 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST POINT ESTS LOT 12 |
| Legal Subdivision | EAST POINT EST |
| Legal Lot Number | 12 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 11001 |
1035 Caroline Dr is owned and occupied by two individuals who bought it in July 1999.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1035 CAROLINE DR, RICHMOND, KY 40475-9597 |
| 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 |
|---|---|
| Nov 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage 1ST TRUST BANK INC |
| Oct 31, 2005 | Deed of Trust, Mortgage · ARM SAXON MORTGAGE INC |
| Aug 24, 2010 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC |
| Aug 10, 2009 | Deed of Trust, Mortgage · Construction Mortgage FORCHT BANK NA |
| Mar 12, 2026 | Deed, Transfer LAND GROUP TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 4, 1999 · Amount on File |
| Deed Sale | Jul 4, 1999 · Amount on File |
| Deed Document Number | 0000500546 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1035 CAROLINE DR, RICHMOND, KY 40475-9597 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2107/565 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | M2107/565 |
| Instrument | 2014062362 |
| Name | 1ST TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | HAZARD, KY 41701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1035 CAROLINE DR, RICHMOND, KY 40475-9597 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1061/389 |
|---|---|
| Date | Oct 31, 2005 |
| Book Page | M1061/389 |
| Instrument | 356078 |
| Name | SAXON MORTGAGE INC |
|---|---|
| Type | Subprime Lender |
| Address | GLEN ALLEN, VA 23060 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.85% |
| Type Change Date | Nov 1, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.35% |
| Max Rate At Change | 10.8% |
| Index | 6-Month LIBOR |
| Max Rate | 13.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1035 CAROLINE DR, RICHMOND, KY 40475-9597 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1356/552 |
|---|---|
| Date | Aug 24, 2010 |
| Book Page | M1356/552 |
| Instrument | 448265 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1035 CAROLINE DR, RICHMOND, KY 40475-9597 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1308/644 |
|---|---|
| Date | Aug 10, 2009 |
| Book Page | M1308/644 |
| Instrument | 430636 |
| Name | FORCHT BANK NA |
|---|---|
| Address | LEXINGTON, KY 40509 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 12, 2026 |
| Property Address | 1035 CAROLINE DR, RICHMOND, KY 40475-9597 |
| Document Number | 00D880/169 |
| Book / Page | D880 / 169 |
| Map Reference | CAB 32 SL 201 |
| Instrument Date | Mar 3, 2026 |
| Instrument | 2014326616 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | LAND GROUP TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1880 BRASSFIELD RD, RICHMOND, KY 40475-9507 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1035 CAROLINE DR, RICHMOND, KY 40475-9597 |
The 2025 property tax bill for 1035 Caroline Dr was $1,706 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 | $1,706.00 Additional exemption filed | $181,000 | $181,000 |
| 2023 | $1,755.00 | $181,000 | $181,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1035 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 1035 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 63% 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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