Madison County property record for 109 Circle Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,080 sqft |
| Owner | Company Name on File |
| Last Sale | $125,000 (Sep 2022) |
| Tax Bill | $1,037 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R010-0008-0016 |
| Primary APN | R010-0008-0016 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,080 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Mixed |
| Parking Spaces | 1 Parking Space |
| Account Number | 60545 |
|---|---|
| Street Address | 109 CIRCLE DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUEGRASS ACRES LOT 71 |
| Legal Subdivision | BLUEGRASS ACRE |
| Legal Lot Number | 71 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 10303 |
109 Circle Dr is owned by a company that bought it in September 2022 and is owner-occupied.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 193 CRUSE LN, RICHMOND, KY 40475-7521 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2022 · Amount on File |
| Deed Sale | Sep 29, 2022 · Amount on File |
| Deed Document Number | 2014113754 |
| Deed Book / Page | D829 / 688 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 29, 2022 |
| Property Address | 109 CIRCLE DR, RICHMOND, KY 40475-1805 |
| Document Number | 00D829/688 |
| Book / Page | D829 / 688 |
| Map Reference | MB 2 PG 43 |
| Instrument Date | Sep 27, 2022 |
| Instrument | 2014113754 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 324 BOLD FORBES DR, 324, RICHMOND, KY 40475-8649 |
| Name | Verified Name |
|---|---|
| Address | 193 CRUSE LN, RICHMOND, KY 40475-7521 |
| Document Number | 2014113758 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 2014113758 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 17, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 109 Circle Dr was $1,037 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $1,037.00 Additional exemption filed | $110,000 | $110,000 |
| 2023 | $1,067.00 (+29.02%) | $110,000 (+29.41%) | $110,000 (+29.41%) |
| 2022 | $827.00 | $85,000 | $85,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Circle 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 8 (10% premium discount) |
| Nearby Flood Policies | 3 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 risk around 109 Circle Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond 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 244 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 in parts of the area | 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 |
May also be available: Windstream.
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