Madison County property record for 104 William Ct, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,740 sqft |
| Owner | Individual Name on File |
| Last Sale | $267,000 (Oct 2021) |
| Tax Bill | $2,517 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0053-0002-0040 |
| Primary APN | 0053-0002-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,740 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 44714 |
|---|---|
| Street Address | 104 WILLIAM CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8481 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY TRACE LOT 40 |
| Legal Subdivision | CHERRY TRACE |
| Legal Lot Number | 40 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 10104 |
104 William Ct is owned and occupied by an individual who bought it in October 2021.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 104 WILLIAM CT, RICHMOND, KY 40475-8481 |
| 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 |
|---|---|
| Oct 25, 2021 | Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 12, 2020 | Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2021 · Amount on File |
| Deed Sale | Oct 25, 2021 · Amount on File |
| Deed Document Number | 2014060366 |
| Deed Book / Page | D813 / 213 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 25, 2021 |
| Property Address | 104 WILLIAM CT, RICHMOND, KY 40475-8481 |
| Document Number | D813/213 |
| Book / Page | D813 / 213 |
| Map Reference | MB 14 PG 143 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 2014060366 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Title Company | JETT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $267.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1195 THE RIDINGS RD, 1195, WINCHESTER, KY 40391-8207 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 104 WILLIAM CT, RICHMOND, KY 40475-8481 |
| Document Number | 2014060367 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 2014060367 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 WILLIAM CT, RICHMOND, KY 40475-8481 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01918/054 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | M01918/054 |
| Instrument | 2014007229 |
| Name | MEMBERS HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40511 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 11, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 104 William Ct was $2,517 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 | $2,517.00 Additional exemption filed | $267,000 | $267,000 |
| 2023 | $2,589.00 | $267,000 | $267,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 William Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2014.
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 | 7 in force |
| Nearby Flood Claims | 5 (2014–2023) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Jun 2023 · rainfall accumulation |
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 William Ct 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 78 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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