105 Nancy Dr, Richmond, KY 40475 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft
Owner	Individual Name on File
Last Sale	$175,000 (May 2019)
Tax Bill	$1,801 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031A-0000-0047`

Property Details

APN / Parcel Number

Primary APN	`031A-0000-0047`
Alternative APNs	`111239` `74408` `40446`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,431 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Split Level
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Garage Type	Basement
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	40446
Street Address	105 NANCY DR
City	RICHMOND
State	KY
Zip	40475-8613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP ACRES LOT 47
Legal Subdivision	HILLTOP ACRES
Legal Lot Number	47
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	1
Census Block	1018
Census Tract	10802

Owner

105 Nancy Dr is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	105 NANCY DR, RICHMOND, KY 40475-8613
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
May 1, 2019	Deed, Transfer · Conventional Mortgage PEOPLES EXCHANGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2019 · Amount on File
Deed Sale	May 1, 2019 · Amount on File
Deed Document Number	2013991812
Deed Book / Page	D00772 / 775
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	105 NANCY DR, RICHMOND, KY 40475-8613
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2101/560
Date	Oct 18, 2021
Book Page	M2101/560
Instrument	2014058911

Lender

Name	T2 FINANCIAL LLC
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 1, 2019
Property Address	105 NANCY DR, RICHMOND, KY 40475-8613
Document Number	D00772/775
Book / Page	D00772 / 775
Map Reference	MB 5 PG 99
Instrument Date	Apr 26, 2019
Instrument	2013991812
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	830 ALDENHAM LN, 830, ORMOND BEACH, FL 32174-1411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 OXFORD CIR, RICHMOND, KY 40475-8263

Mortgage

Document Number	2013991813
Date	May 1, 2019
Instrument	2013991813

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 105 Nancy Dr was $1,801 with an additional exemption.

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	$1,801.00 Additional exemption filed	$191,000	$191,000
2023	$1,852.00	$191,000	$191,000

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

Flood

FEMA maps place 105 Nancy 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	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

Wildfire risk around 105 Nancy Dr 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	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.

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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Nancy Dr

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