108 White Pine Dr, Richmond, KY 40475 Property Records

Madison County property record for 108 White Pine Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,391 sqft
Owner	Individual Name on Record
Last Sale	$300,000 (May 2020)
Tax Bill	$2,970 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031B-0000-0017`

Property Details

APN / Parcel Number

Primary APN	`031B-0000-0017`
Alternative APNs	`115079` `78194` `44385`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,391 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Garage Type	Basement
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	44385
Street Address	108 WHITE PINE DR
City	RICHMOND
State	KY
Zip	40475-8625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILL-O-MAC PLACE LOT 17
Legal Subdivision	WILL-O-MAC
Legal Lot Number	17
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	1
Census Block	1011
Census Tract	10802

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	108 WHITE PINE DR, RICHMOND, KY 40475-8625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · VA Mortgage EVANSVILLE TEACHERS FCU
May 22, 2020	Deed, Transfer · VA Mortgage EVANSVILLE TEACHERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2020 · Amount on Record
Deed Sale	May 22, 2020 · Amount on Record
Deed Document Number	2014012560
Deed Book / Page	D00788 / 218
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	108 WHITE PINE DR, RICHMOND, KY 40475-8625
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2012/503
Date	Jan 13, 2021
Book Page	M2012/503
Instrument	2014027539

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 22, 2020
Property Address	108 WHITE PINE DR, RICHMOND, KY 40475-8625
Document Number	D00788/218
Book / Page	D00788 / 218
Map Reference	MB 6 PG 74
Instrument Date	Apr 20, 2020
Instrument	2014012560
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 BREEZEWOOD CIR, 540, RICHMOND, KY 40475-1679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 WHITE PINE DR, RICHMOND, KY 40475-8625
Mail Care Of	RODNEY CASTLE AND SANDRA CASTLE

Mortgage

Document Number	2014012561
Date	May 22, 2020
Instrument	2014012561

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

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	$2,970.00 (-2.78%) Additional exemption filed	$315,000 (-)	$315,000 (-)
2023	$3,055.00	$315,000	$315,000

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 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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% 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	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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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