1040 Morris Dr, Richmond, KY 40475 Property Records

Madison County property record for 1040 Morris Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	2.3 acres (100,210 sqft)
Owner	2 Trust Names on File
Last Sale	$500,000 (Dec 2023)
Tax Bill	$4,715 (2025)
Deeds & Mortgages	Sep 2026 Sale Dec 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0051-0002-0004`

Property Details

APN / Parcel Number

Primary APN	`0051-0002-0004`
Alternative APNs	`110452` `73666` `53093`

Exterior

Lot Area	100,210 sqft (2.3 acres)

Location & Zoning

Account Number	53093
Street Address	1040 MORRIS DR
City	RICHMOND
State	KY
Zip	40475-7916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHWOOD COUNTRY ESTS LOT 45
Legal Subdivision	ASHWOOD COUNTRY EST
Legal Lot Number	45
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	1
Census Block	1010
Census Tract	10104

Owner

1040 Morris Dr is held in a trust since December 2023.

Source: Madison County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1040 MORRIS DR, RICHMOND, KY 40475-7916
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 5, 2023	Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Nov 19, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
May 19, 2022	Deed of Trust, Mortgage · Line of Credit UNITED STATES OF AMERICA
May 19, 2022	Deed of Trust, Mortgage · Commercial Mortgage UNIVERSITY OF KENTUCKY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023 · Amount on File
Deed Sale	Dec 5, 2023 · Amount on File
Deed Document Number	202314180420
Deed Book / Page	846 / 454
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 30, 2026
Property Address	1040 MORRIS DR, RICHMOND, KY 40475-7916
Document Number	0014379291
Book / Page	888 / 739
Instrument Date	Sep 18, 2026
Instrument	202614379291
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	1040 MORRIS DR, RICHMOND, KY 40475-7916

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 5, 2023
Property Address	1040 MORRIS DR, RICHMOND, KY 40475-7916
Document Number	00D846/454
Book / Page	D846 / 454
Map Reference	MB 8 PG 247
Instrument Date	Dec 1, 2023
Instrument	2014180420
Transaction Type	Transfer
Record Updated	Dec 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1040 MORRIS DR, RICHMOND, KY 40475-7916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 MORRIS DR, RICHMOND, KY 40475-7916
Investor	Possibly a Property Investor

Mortgage

Document Number	2014180421
Date	Dec 5, 2023
Instrument	2014180421

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	12.7%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1040 MORRIS DR, RICHMOND, KY 40475-7916
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2032/366
Date	Mar 15, 2021
Book Page	M2032/366
Instrument	2014031336

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1040 MORRIS DR, RICHMOND, KY 40475-7916
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01901/370
Date	Nov 19, 2019
Book Page	M01901/370
Instrument	2014002534

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Oct 22, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1040 MORRIS DR, RICHMOND, KY 40475-7916
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2161/225
Date	May 19, 2022
Book Page	M2161/225
Instrument	2014092648

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 18, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1040 MORRIS DR, RICHMOND, KY 40475-7916
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2161/211
Date	May 19, 2022
Book Page	M2161/211
Instrument	2014092646

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Morris Dr was $4,715.

Source: Madison County assessment roll, as of December 9, 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	$4,715.00	$500,000	$500,000
2023	$2,217.00 (-2.81%) Homeowner's exemption	$275,000 (-)	$275,000 (-)
2022	$2,281.00 Homeowner's exemption	$275,000	$275,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1040 Morris Dr 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	2 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

Wildfire risk around 1040 Morris Dr is low, with a 0.02% 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	0.02% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Morris Dr

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