Madison County property record for 109 Winesap Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft |
| Lot Size | 0.201 acres (8,794 sqft) |
| Owner | Individual Name on File |
| Last Sale | $124,900 (Nov 2018) |
| Tax Bill | $1,177 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Nov 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 053D-0000-0059 |
| Primary APN | 053D-0000-0059 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,794 sqft (0.201 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 67791 |
|---|---|
| Street Address | 109 WINESAP DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MADISON VILLAGE LOT 193 |
| Legal Subdivision | MADISON VILL |
| Legal Block | 3 |
| Legal Lot Number | 193 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BOONESBOROUGH-WHITE HALL |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 10104 |
109 Winesap Dr is owned and occupied by an individual who bought it in November 2018.
Source: Madison County records, as of December 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 WINESAP DR, RICHMOND, KY 40475-9137 |
| 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.
| Date | Document |
|---|---|
| Aug 11, 2026 | Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE CREDIT UNION |
| Nov 5, 2018 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 2, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2018 · Amount on File |
| Deed Sale | Nov 5, 2018 · Amount on File |
| Prior Sale | Aug 2, 2018 · Amount on File |
| Deed Document Number | 20182013984260 |
| Deed Book / Page | 766 / 468 |
| Prior Transfer Date | Nov 24, 2009 |
| Prior Transfer Doc | 00D653/108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 11, 2026 |
| Property Address | 109 WINESAP DR, RICHMOND, KY 40475-9137 |
| Document Number | 0014368096 |
| Book / Page | 2492 / 283 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202614368096 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 109 WINESAP DR, RICHMOND, KY 40475-9137 |
| Document Number | 0014368096, |
|---|---|
| Date | Aug 11, 2026 |
| Book Page | 2492/283 |
| Instrument | 202614368096 |
| Name | MEMBERS HERITAGE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 11, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 5, 2018 |
| Property Address | 109 WINESAP DR, RICHMOND, KY 40475-9137 |
| Document Number | D00766/468 |
| Book / Page | D00766 / 468 |
| Map Reference | CAB6 SL270 |
| Instrument Date | Oct 29, 2018 |
| Instrument | 2013984260 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 911 N MAIN ST, 911, LONDON, KY 40741-1122 |
| Name | Verified Name |
|---|---|
| Address | 109 WINESAP DR, RICHMOND, KY 40475-9137 |
| Document Number | 2013984261 |
|---|---|
| Date | Nov 5, 2018 |
| Instrument | 2013984261 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 2, 2018 |
| Property Address | 109 WINESAP DR, RICHMOND, KY 40475-9137 |
| Document Number | D00762/649 |
| Book / Page | D00762 / 649 |
| Map Reference | CAB6 SL270 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 2013979650 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 00000 |
The 2025 property tax bill for 109 Winesap Dr was $1,177.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,177.00 | $124,900 | $124,900 |
| 2023 | $1,211.00 | $124,900 | $124,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Winesap 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 | 2 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 Winesap Dr is low, with a 0.02% 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 | 0.02% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 88 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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