108 Deer Ln, Richmond, KY 40475 Property Records

Madison County property record for 108 Deer Ln, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,113 sqft · built 1981
Owner	2 Individual Names on Record
Last Sale	$618,000 (Nov 2025)
Tax Bill	$4,573 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage May 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0025-0000-0085`

Property Details

APN / Parcel Number

Primary APN	`0025-0000-0085`
Alternative APNs	`132314` `95156` `62142`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,113 sqft Living Area

Exterior

Year Built	Built 1981
Exterior Material	Stone
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	62142
Street Address	108 DEER LN
City	RICHMOND
State	KY
Zip	40475-9190
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOONES TRACE LOT 85 SEC 4 PH 1A
Legal Subdivision	BOONE TRACE
Legal Phase	1A
Legal Block	4
Legal Lot Number	85
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	3
Census Block	3001
Census Tract	10103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	108 DEER LN, RICHMOND, KY 40475-9190
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed, Transfer · Commercial Mortgage SOUTH CENTRAL BANK
May 5, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Apr 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC
Jan 13, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 12, 2025 · Amount on Record
Deed Sale	Nov 12, 2025 · Amount on Record
Prior Sale	May 5, 2021 · Amount on Record
Deed Document Number	2014298555
Deed Book / Page	D875 / 674
Record Updated	Jun 8, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 12, 2025
Property Address	108 DEER LN, RICHMOND, KY 40475-9190
Document Number	00D875/674
Book / Page	D875 / 674
Map Reference	MB 6 SL 294
Instrument Date	Oct 31, 2025
Instrument	2014298555
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$618.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	915 KIDDS MILL RD E, VERSAILLES, KY 40383-9456

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	108 DEER LN, RICHMOND, KY 40475-9190

Mortgage

Document Number	2014298556
Date	Nov 12, 2025
Instrument	2014298556

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Oct 30, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 5, 2021
Property Address	108 DEER LN, RICHMOND, KY 40475-9190
Document Number	D804/624
Book / Page	D804 / 624
Map Reference	MB 6P G 294
Instrument Date	Apr 27, 2021
Instrument	2014035774
Transaction Type	Transfer
Record Updated	May 26, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 WALLACETOWN RD, 430, PAINT LICK, KY 40461-8889

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 DEER LN, RICHMOND, KY 40475-9190

Mortgage

Document Number	2014035775
Date	May 5, 2021
Instrument	2014035775

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Change Frequency	5 Years

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	108 DEER LN, RICHMOND, KY 40475-9190
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01999/755
Date	Nov 30, 2020
Book Page	M01999/755
Instrument	2014024958

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Oct 30, 2021

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	108 DEER LN, RICHMOND, KY 40475-9190
Transaction Type	Mortgage
Record Updated	May 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 DEER LN, RICHMOND, KY 40475-9190

Mortgage

Document Number	M01799/272
Date	Apr 20, 2018
Book Page	M01799/272

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	108 DEER LN, RICHMOND, KY 40475-9190
Transaction Type	Mortgage
Record Updated	Apr 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2013953054
Date	Jan 13, 2017
Book Page	M01723/452
Instrument	2013953054

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$4,573.00 (-2.78%) Additional exemption filed	$485,000 (-)	$485,000 (-)
2023	$4,704.00	$485,000	$485,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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