Madison County property record for 104 Christopher Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,606 sqft |
| Owner | Individual Name on File |
| Last Sale | $277,000 (Jun 2025) |
| Tax Bill | $2,168 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0041-0000-0060 |
| Primary APN | 0041-0000-0060 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,606 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 40063 |
|---|---|
| Street Address | 104 CHRISTOPHER DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TATES CREEK EST LOT 94 PT 92 & 93 BLK C |
| Legal Subdivision | TATES CREEK |
| Legal Block | C |
| Legal Lot Number | 94 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 10701 |
104 Christopher Dr is owned and occupied by an individual who bought it in June 2025.
Source: Madison County records, as of February 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 9, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK |
| May 19, 2016 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Dec 12, 2005 | Deed of Trust, Mortgage JPMORGAN CHASE BANK NA |
| Jun 23, 2025 | Deed, Transfer · USDA Mortgage CONSUMER REAL ESTATE FINANCE CO |
| Feb 17, 2023 | Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2025 · Amount on File |
| Deed Sale | Jun 23, 2025 · Amount on File |
| Prior Sale | Feb 17, 2023 · Amount on File |
| Deed Document Number | 2014268443 |
| Deed Book / Page | D869 / 153 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Document Number | 0M2126/709 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | M2126/709 |
| Instrument | 2014073081 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 293 Months |
| Due | Jun 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Document Number | 0M2189/650 |
|---|---|
| Date | Sep 15, 2022 |
| Book Page | M2189/650 |
| Instrument | 2014111338 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 695 CLARK RD, IRVINE, KY 40336-9536 |
| Document Number | 0M2318/757 |
|---|---|
| Date | Aug 9, 2024 |
| Book Page | M2318/757 |
| Instrument | 2014216680 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | IRVINE, KY 40336 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 9, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0M1677/263 |
|---|---|
| Date | May 19, 2016 |
| Book Page | M1677/263 |
| Instrument | 940538 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1072/376 |
|---|---|
| Date | Dec 12, 2005 |
| Book Page | M1072/376 |
| Instrument | 358686 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Amount | Amount on Record |
|---|---|
| Term | 354 Months |
| Due | Jun 3, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 23, 2025 |
| Property Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Document Number | 00D869/153 |
| Book / Page | D869 / 153 |
| Map Reference | MB 8 PG 387 |
| Instrument Date | Jun 19, 2025 |
| Instrument | 2014268443 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2074 EAST ST, BRIDPORT, VT 05734-9680 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Document Number | 2014268447 |
|---|---|
| Date | Jun 23, 2025 |
| Instrument | 2014268447 |
| Name | CONSUMER REAL ESTATE FINANCE CO |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 17, 2023 |
| Property Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Document Number | 00D834/724 |
| Book / Page | D834 / 724 |
| Map Reference | MB 6 PG 119 |
| Instrument Date | Feb 15, 2023 |
| Instrument | 2014132420 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6029 MACK RD, HOWELL, MI 48855-9245 |
| Name | Verified Name |
|---|---|
| Address | 104 CHRISTOPHER DR, RICHMOND, KY 40475-9453 |
| Document Number | 2014132421 |
|---|---|
| Date | Feb 17, 2023 |
| Instrument | 2014132421 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 15, 2024 |
The 2025 property tax bill for 104 Christopher Dr was $2,168 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 | $2,168.00 Additional exemption filed | $230,000 | $230,000 |
| 2023 | $1,716.00 | $177,000 | $177,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Christopher 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 104 Christopher Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 116 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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