Madison County property record for 117 Welsh Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 2,468 sqft |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Mar 2024) |
| Tax Bill | $3,583 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Mar 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0055-0002-0122 |
| Primary APN | 0055-0002-0122 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,468 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Basement |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 74324 |
|---|---|
| Street Address | 117 WELSH DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8668 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BROOKLINE LOT 122 |
| Legal Subdivision | BROOKLINE |
| Legal Lot Number | 122 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 10702 |
117 Welsh Dr is owned and occupied by an individual who bought it in March 2024.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 117 WELSH DR, RICHMOND, KY 40475-8668 |
| 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 |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Mar 18, 2024 | Deed, Transfer · Conventional Mortgage GENERAL ELECTRIC CU |
| Oct 5, 2023 | Deed, Transfer · Commercial Mortgage S JAMES MISCHNER |
| Mar 22, 2022 | Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2024 · Amount on File |
| Deed Sale | Mar 18, 2024 · Amount on File |
| Prior Sale | Oct 5, 2023 · Amount on File |
| Deed Document Number | 2014194700 |
| Deed Book / Page | D850 / 39 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 117 WELSH DR, RICHMOND, KY 40475-8668 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2413/372 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | M2413/372 |
| Instrument | 2014288773 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 25, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 18, 2024 |
| Property Address | 117 WELSH DR, RICHMOND, KY 40475-8668 |
| Document Number | 000D850/39 |
| Book / Page | D850 / 39 |
| Map Reference | CAB 13 SL 174 |
| Instrument Date | Mar 14, 2024 |
| Instrument | 2014194700 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2024 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 362 CHESTNUT ST, BEREA, KY 40403-1509 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 117 WELSH DR, RICHMOND, KY 40475-8668 |
| Document Number | 2014194703 |
|---|---|
| Date | Mar 18, 2024 |
| Instrument | 2014194703 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11.7% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 5, 2023 |
| Property Address | 117 WELSH DR, RICHMOND, KY 40475-8668 |
| Document Number | 00D844/417 |
| Book / Page | D844 / 417 |
| Map Reference | CAB 13 SL 174 |
| Instrument Date | Oct 3, 2023 |
| Instrument | 2014170730 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 55323, LEXINGTON, KY 40555-5323 |
| Name | Verified Name |
|---|---|
| Address | 632 CHESTNUT ST, BEREA, KY 40403-1515 |
| Document Number | 2014170731 |
|---|---|
| Date | Oct 5, 2023 |
| Instrument | 2014170731 |
| Name | S JAMES MISCHNER |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 3, 2024 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 22, 2022 |
| Property Address | 117 WELSH DR, RICHMOND, KY 40475-8668 |
| Document Number | 00D820/300 |
| Book / Page | D820 / 300 |
| Map Reference | CAB 13 SL 174 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 2014082583 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2022 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 117 WELSH DR, RICHMOND, KY 40475-8668 |
| Document Number | 2014082586 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 2014082586 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 117 Welsh Dr was $3,583 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 | $3,583.00 Additional exemption filed | $380,000 | $380,000 |
| 2023 | $2,910.00 (+49.92%) | $300,000 (+25%) | $300,000 (+25%) |
| 2022 | $1,941.00 Homeowner's exemption | $240,000 | $240,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 117 Welsh Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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 |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
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 117 Welsh 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 | Indirect within 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 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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