Madison County property record for 104 Wells Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,014 sqft |
| Lot Size | 0.328 acres (14,308 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (May 2023) |
| Tax Bill | $612 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit Oct 2011 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038A-0003-0004 |
| Primary APN | 038A-0003-0004 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,014 sqft Living Area |
| 1st Floor Area | 750 sqft |
| Basement Area | 750 sqft |
| Unfinished Basement | 750 sqft |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 14,308 sqft (0.328 acres) |
| Garage Type | Basement |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 49887 |
|---|---|
| Street Address | 104 WELLS RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLAYS FERRY ESTS LOT 3 |
| Legal Subdivision | CLAYS FERRY EST |
| Legal Lot Number | 3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 10103 |
104 Wells Rd is owned and occupied by an individual who bought it in May 2023.
Source: Madison County records, as of June 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 WELLS RD, RICHMOND, KY 40475-9108 |
| 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 |
|---|---|
| Jun 25, 2025 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 12, 2011 | Deed of Trust, Mortgage · Conventional Mortgage GREATER KENTUCKY CREDIT UNION INC |
| Sep 10, 2020 | Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Oct 10, 2006 | Trustee's Deed, Foreclosure · Conventional Mortgage FIRST MAGNUS FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2023 · Amount on File |
| Deed Sale | May 30, 2023 · Amount on File |
| Prior Sale | Sep 10, 2020 · Amount on File |
| Deed Document Number | 202314147694 |
| Deed Book / Page | 838 / 746 |
| Prior Transfer Date | Sep 21, 2006 |
| Prior Transfer Doc | 0D0613/476 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 WELLS RD, RICHMOND, KY 40475-9108 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 104 WELLS RD, RICHMOND, KY 40475-9108 |
| Document Number | 0M2388/698 |
|---|---|
| Date | Jun 25, 2025 |
| Book Page | M2388/698 |
| Instrument | 2014269159 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jun 18, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 WELLS RD, RICHMOND, KY 40475-9108 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1415/409 |
|---|---|
| Date | Oct 12, 2011 |
| Book Page | M1415/409 |
| Instrument | 467124 |
| Name | GREATER KENTUCKY CREDIT UNION INC |
|---|---|
| Address | LEXINGTON, KY 40504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 10, 2020 |
| Property Address | 104 WELLS RD, RICHMOND, KY 40475-9108 |
| Document Number | D00793/748 |
| Book / Page | D00793 / 748 |
| Map Reference | MB 2 PG 171 |
| Instrument Date | Aug 9, 2020 |
| Instrument | 2014019943 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $65.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 604 BROOKSTOWN RD, 604, RICHMOND, KY 40475-6029 |
| Name | Verified Name |
|---|---|
| Address | 104 WELLS RD, RICHMOND, KY 40475-9108 |
| Document Number | 2014019944 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 2014019944 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 10, 2006 |
| Property Address | 104 WELLS RD, RICHMOND, KY 40475-9108 |
| Document Number | 0D0613/476 |
| Book / Page | D0613 / 476 |
| Map Reference | MB2 PG171 |
| Instrument Date | Sep 21, 2006 |
| Instrument | 377027 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 00000 |
| Document Number | 0000377028 |
|---|---|
| Date | Oct 10, 2006 |
| Instrument | 377028 |
| Name | FIRST MAGNUS FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2021 |
The 2025 property tax bill for 104 Wells Rd was $612.
Source: Madison County assessment roll, as of December 9, 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 | $612.00 | $65,000 | $65,000 |
| 2023 | $630.00 | $65,000 | $65,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 104 Wells Rd in Zone X, an area of minimal flood risk.
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 risk around 104 Wells Rd is low, with a 0.01% 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 | 0.01% 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 48 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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