112 Deer Ln, Richmond, KY 40475 Property Records

Madison County property record for 112 Deer Ln, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Owner	Individual Name on Record
Last Sale	$66,900 (Jul 2017)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0025-0000-0086`

Property Details

APN / Parcel Number

Primary APN	`0025-0000-0086`
Alternative APNs	`110560` `73771` `39762`

Location & Zoning

Account Number	39762
Street Address	112 DEER LN
City	RICHMOND
State	KY
Zip	40475-9190
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOONES TRACE LOT 86 SEC 4 PH 1A
Legal Subdivision	BOONE TRACE
Legal Phase	1A
Legal Block	4
Legal Lot Number	86
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 January 19, 2026

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
Mailing Address	112 DEER LN, RICHMOND, KY 40475-9190
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2018	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK FSB
Feb 26, 2018	Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK FSB
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Jul 3, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2017 · Amount on Record
Deed Sale	Jul 3, 2017 · Amount on Record
Deed Document Number	2013961035
Deed Book / Page	D00747 / 112
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	112 DEER LN, RICHMOND, KY 40475-9190
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01836/512
Date	Nov 30, 2018
Book Page	M01836/512
Instrument	2013985319

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	112 DEER LN, RICHMOND, KY 40475-9190
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01790/541
Date	Feb 26, 2018
Book Page	M01790/541
Instrument	2013972203

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Mar 1, 2019
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	4.99%
Index	1-Year CMT
Max Rate	8.99%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	112 DEER LN, RICHMOND, KY 40475-9190
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2022/147
Date	Feb 10, 2021
Book Page	M2022/147
Instrument	2014029406

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 3, 2017
Property Address	112 DEER LN, RICHMOND, KY 40475-9190
Document Number	D00747/112
Book / Page	D00747 / 112
Map Reference	CAB15 SL153
Instrument Date	Jun 29, 2017
Instrument	2013961035
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$67.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21841 LAKESIDE DR, LEXINGTON, KY 40502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 DEER LN # 116, 116, RICHMOND, KY 40475-9190

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	$3,615.00 (-2.8%) Additional exemption filed	$383,450 (-)	$383,450 (-)
2023	$3,719.00	$383,450	$383,450

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

Nearby Properties on Deer Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures