105 Millstone Dr, Richmond, KY 40475 Property Records

Madison County property record for 105 Millstone Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,560 sqft
Lot Size	0.382 acres (16,677 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Mar 2026)
Tax Bill	$2,234 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R002-0003-0012`

Property Details

APN / Parcel Number

Primary APN	`R002-0003-0012`
Alternative APNs	`115672` `78767` `45012`

Interior

Stories	2 Stories
Building Area	2,560 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	16,677 sqft (0.382 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	45012
Street Address	105 MILLSTONE DR
City	RICHMOND
State	KY
Zip	40475-3528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STATELAND LOT 4 BLK A
Legal Subdivision	STATELAND
Legal Block	A
Legal Lot Number	4
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1002
Census Tract	10601

Owner

Source: Madison County records, as of June 30, 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	2 Individual Names on Record
Mailing Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 25, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COUNTRYWIDE BANK FSB
Mar 12, 2026	Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC
Jun 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 7, 2020	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 1, 2005	Deed, Transfer · ARM CITIZENS COMMERCE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2026 · Amount on Record
Deed Sale	Mar 12, 2026 · Amount on Record
Prior Sale	Oct 7, 2020
Deed Document Number	202614326619
Deed Book / Page	880 / 175
Prior Transfer Date	Jul 31, 2020
Prior Transfer Doc	D00795/235
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2138/367
Date	Mar 2, 2022
Book Page	M2138/367
Instrument	2014079610

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2062/753
Date	Jun 11, 2021
Book Page	M2062/753
Instrument	2014040653

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Oct 1, 2050

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1175/532
Date	Apr 25, 2007
Book Page	M1175/532
Instrument	387103

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2037

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 12, 2026
Property Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528
Document Number	00D880/175
Book / Page	D880 / 175
Map Reference	MB 2 PG 159
Instrument Date	Mar 3, 2026
Instrument	2014326619
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	LAND GROUP TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 DELMAR DR, RICHMOND, KY 40475-8313

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528

Mortgage

Document Number	2014326620
Date	Mar 12, 2026
Instrument	2014326620

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2062/753
Date	Jun 11, 2021
Book Page	M2062/753
Instrument	2014040653

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Oct 1, 2050

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Oct 7, 2020
Property Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528
Document Number	D00795/235
Book / Page	D00795 / 235
Map Reference	MB 2 PG 159
Instrument Date	Jul 31, 2020
Instrument	2014021813
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528

Mortgage

Document Number	2014021814
Date	Oct 7, 2020
Instrument	2014021814

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

August 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 1, 2005
Property Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528
Document Number	0D0593/502
Book / Page	D0593 / 502
Map Reference	MB2 PG159
Instrument Date	Jul 8, 2005
Instrument	350235
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$148.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 MICHAEL CT, RICHMOND, KY 40475-7868

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 MILLSTONE DR, RICHMOND, KY 40475-3528

Mortgage

Document Number	0000350236
Date	Aug 1, 2005
Instrument	350236

Lender

Name	CITIZENS COMMERCE NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2035
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Aug 1, 2008
Change Frequency	6 Months
Min Rate At Change	6.5%
Max Rate At Change	9.5%
Index	6-Month LIBOR
Max Rate	12.5%

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,234.00 (+24.53%)	$237,000 (+28.11%)	$237,000 (+28.11%)
2023	$1,794.00 (-0.33%)	$185,000 (-)	$185,000 (-)
2022	$1,800.00	$185,000	$185,000

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 8 (10% 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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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