108 Nancy Dr, Richmond, KY 40475 Property Records

Madison County property record for 108 Nancy Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft
Owner	2 Individual Names on File
Last Sale	$49,400 (Oct 1978)
Tax Bill	$1,385 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`031A-0000-0044`

Property Details

APN / Parcel Number

Primary APN	`031A-0000-0044`
Alternative APNs	`123954` `86901` `53533`

Interior

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

Exterior

Architectural Style	Split Foyer
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
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	53533
Street Address	108 NANCY DR
City	RICHMOND
State	KY
Zip	40475-8613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP ACRES LOT 44
Legal Subdivision	HILLTOP ACRES
Legal Lot Number	44
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	1
Census Block	1018
Census Tract	10802

Owner

108 Nancy Dr is owned and occupied by two individuals who bought it in October 1978.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 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
Feb 9, 2024	Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO
Jun 23, 2021	Deed of Trust, Mortgage · Line of Credit KENTUCKY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 1978 · Amount on File
Deed Sale	Oct 27, 1978 · Amount on File
Deed Document Number	0000315377
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	108 NANCY DR, RICHMOND, KY 40475-8613
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 NANCY DR, RICHMOND, KY 40475-8613

Mortgage

Document Number	0M2282/710
Date	Feb 9, 2024
Book Page	M2282/710
Instrument	2014190128

Lender

Name	CUMBERLAND VALLEY NATL BANK & TRUST CO
Type	Bank
Address	LONDON, KY 40743

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	108 NANCY DR, RICHMOND, KY 40475-8613
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2066/362
Date	Jun 23, 2021
Book Page	M2066/362
Instrument	2014042181

Lender

Name	KENTUCKY BANK
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 14, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 108 Nancy Dr was $1,385 with a homeowner's 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	$1,385.00 Homeowner's exemption	$196,000	$196,000
2023	$1,451.00 Homeowner's exemption	$196,000	$196,000

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

Flood

FEMA maps place 108 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 108 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 14 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

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

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