Madison County property record for 108 Central Ct, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,236 sqft |
| Lot Size | 0.163 acres (7,099 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Jun 2025) |
| Tax Bill | $1,414 (2025) |
| Deeds & Mortgages | Jun 2025 Sale & Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R007-0025-0003 |
| Primary APN | R007-0025-0003 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,236 sqft Living Area |
| Exterior Material | Wood |
|---|---|
| Lot Area | 7,099 sqft (0.163 acres) |
| Account Number | 64732 |
|---|---|
| Street Address | 108 CENTRAL CT |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRATHERS ADDT LOT 4 BLK A |
| Legal Subdivision | PRATHERS ADDT |
| Legal Block | A |
| Legal Lot Number | 4 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10400 |
108 Central Ct is owned and occupied by an individual who bought it in June 2025.
Source: Madison County records, as of December 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 CENTRAL CT, RICHMOND, KY 40475-1206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
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 |
|---|---|
| Jun 23, 2025 | Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| Nov 22, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage E MORTGAGE MANAGEMENT LLC |
| Oct 17, 2017 | Warranty Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2025 · Amount on File |
| Deed Sale | Jun 23, 2025 · Amount on File |
| Prior Sale | Oct 17, 2017 · Amount on File |
| Deed Document Number | 202514268473 |
| Deed Book / Page | 869 / 160 |
| Prior Transfer Date | Nov 21, 2019 |
| Prior Transfer Doc | D00781/478 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 23, 2025 |
| Property Address | 108 CENTRAL CT, RICHMOND, KY 40475-1206 |
| Document Number | 00D869/160 |
| Book / Page | D869 / 160 |
| Instrument Date | Jun 20, 2025 |
| Instrument | 2014268473 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 CENTRAL CT, RICHMOND, KY 40475-1206 |
| Document Number | 2014268478 |
|---|---|
| Date | Jun 23, 2025 |
| Instrument | 2014268478 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 22, 2019 |
| Property Address | 108 CENTRAL CT, RICHMOND, KY 40475-1206 |
| Document Number | D00781/478 |
| Book / Page | D00781 / 478 |
| Map Reference | MB 54 PG 638 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 2014002778 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 934 SIESTA DR, RICHMOND, KY 40475-3406 |
| Document Number | 2014002779 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 2014002779 |
| Name | E MORTGAGE MANAGEMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1 Months |
| Due | Dec 1, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 17, 2017 |
| Property Address | 108 CENTRAL CT, RICHMOND, KY 40475-1206 |
| Document Number | D00751/485 |
| Book / Page | D00751 / 485 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 2013966391 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 176 WILSON LN, BEREA, KY 40403-9717 |
| Name | Verified Name |
|---|---|
| Address | 108 CENTRAL CT, RICHMOND, KY 40475-1206 |
| Document Number | 2013966392 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 2013966392 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 13, 2032 |
The 2025 property tax bill for 108 Central Ct was $1,414.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,414.00 | $150,000 | $150,000 |
| 2023 | $1,455.00 (+157.98%) | $150,000 (+158.62%) | $150,000 (+158.62%) |
| 2022 | $564.00 | $58,000 | $58,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 108 Central Ct 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 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.
The area around 108 Central Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 348 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 | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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