Madison County property record for 116 Norma Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $210,000 (Aug 2021) |
| Tax Bill | $1,980 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 080B-0007-0001-A |
| Primary APN | 080B-0007-0001-A |
|---|---|
| Alternative APNs |
|
| Account Number | 60439 |
|---|---|
| Street Address | 116 NORMA DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEADOW VIEW LOT 99-101 |
| Legal Subdivision | MEADOW VIEW |
| Legal Lot Number | 99-101 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11001 |
116 Norma Dr is owned and occupied by an individual who bought it in August 2021.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 116 NORMA DR, RICHMOND, KY 40475-9267 |
| 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 |
|---|---|
| Oct 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Aug 12, 2021 | Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Mar 2, 2017 | Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on File |
| Deed Sale | Aug 12, 2021 · Amount on File |
| Prior Sale | Mar 2, 2017 · Amount on File |
| Deed Document Number | 2014047876 |
| Deed Book / Page | D809 / 794 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 116 NORMA DR, RICHMOND, KY 40475-9267 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01989/143 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | M01989/143 |
| Instrument | 2014022707 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 12, 2021 |
| Property Address | 116 NORMA DR, RICHMOND, KY 40475-9267 |
| Document Number | 00D809/794 |
| Book / Page | D809 / 794 |
| Map Reference | CAB 2 SL 403 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 2014047876 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3101 CHELSEA LN, ACWORTH, GA 30102-1282 |
| Name | Verified Name |
|---|---|
| Address | 116 NORMA DR, RICHMOND, KY 40475-9267 |
| Document Number | 2014047877 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 2014047877 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Max Rate | 9.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 2, 2017 |
| Property Address | 116 NORMA DR, RICHMOND, KY 40475-9267 |
| Document Number | D00741/687 |
| Book / Page | D00741 / 687 |
| Map Reference | DD254 PG119 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 2013955094 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $131.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 379 RUBEN BI RD, MAGGIE VALLEY, NC 28751 |
| Name | Verified Name |
|---|---|
| Address | 116 NORMA DR, RICHMOND, KY 40475-9267 |
| Document Number | 2013955095 |
|---|---|
| Date | Mar 2, 2017 |
| Instrument | 2013955095 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
The 2025 property tax bill for 116 Norma Dr was $1,980 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $1,980.00 Additional exemption filed | $210,000 | $210,000 |
| 2023 | $2,037.00 | $210,000 | $210,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 116 Norma Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 116 Norma Dr is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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.
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 63 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 |
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