104 White Pine Dr, Richmond, KY 40475 Property Records

Madison County property record for 104 White Pine Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,996 sqft
Owner	Individual Name on Record
Last Sale	$360,000 (Nov 2021)
Tax Bill	$3,394 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031B-0000-0019`

Property Details

APN / Parcel Number

Primary APN	`031B-0000-0019`
Alternative APNs	`135732` `98497` `65707`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,996 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	65707
Street Address	104 WHITE PINE DR
City	RICHMOND
State	KY
Zip	40475-8625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILL-O-MAC PLACE LOT 19
Legal Subdivision	WILL-O-MAC
Legal Lot Number	19
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	1
Census Block	1011
Census Tract	10802

Owner

Source: Madison County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	104 WHITE PINE DR, RICHMOND, KY 40475-8625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Jun 27, 2018	Warranty Deed, Transfer · Conventional Mortgage CENTURY LENDING CO
Sep 7, 2017	Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	Jun 27, 2018 · Amount on Record
Deed Document Number	2014063404
Deed Book / Page	D814 / 213
Record Updated	Jun 8, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 10, 2021
Property Address	104 WHITE PINE DR, RICHMOND, KY 40475-8625
Document Number	D814/213
Book / Page	D814 / 213
Map Reference	CAB 6 SL 74
Instrument Date	Nov 1, 2021
Instrument	2014063404
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1028 TREVOR DR, 1028, BEREA, KY 40403-1289

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	104 WHITE PINE DR, RICHMOND, KY 40475-8625

Mortgage

Document Number	2014063405
Date	Nov 10, 2021
Instrument	2014063405

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	104 WHITE PINE DR, RICHMOND, KY 40475-8625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01949/236
Date	Jun 16, 2020
Book Page	M01949/236
Instrument	2014014018

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jun 27, 2018
Property Address	104 WHITE PINE DR, RICHMOND, KY 40475-8625
Document Number	D00761/254
Book / Page	D00761 / 254
Map Reference	MB6 PG4
Instrument Date	Jun 22, 2018
Instrument	2013977891
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	EXECUTIVE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 WHITE PINE DR, 104, RICHMOND, KY 40475-8625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 WHITE PINE DR, RICHMOND, KY 40475-8625

Mortgage

Document Number	2013977892
Date	Jun 27, 2018
Instrument	2013977892

Lender

Name	CENTURY LENDING CO
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	104 WHITE PINE DR, RICHMOND, KY 40475-8625
Transaction Type	Mortgage
Record Updated	Oct 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2013964520
Date	Sep 7, 2017
Book Page	M01763/522
Instrument	2013964520

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, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 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	$3,394.00 (-2.81%) Additional exemption filed	$360,000 (-)	$360,000 (-)
2023	$3,492.00	$360,000	$360,000

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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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