120 Windcrest Dr, Richmond, KY 40475 Property Records

Madison County property record for 120 Windcrest Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Owner	Individual Name on Record
Last Sale	$249,900 (Nov 2018)
Tax Bill	$2,498 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0051-0001-0042`

Property Details

APN / Parcel Number

Primary APN	`0051-0001-0042`
Alternative APNs	`110923` `74089` `40139`

Location & Zoning

Account Number	40139
Street Address	120 WINDCREST DR
City	RICHMOND
State	KY
Zip	40475-7912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLOWAY CREEK LOT 42
Legal Subdivision	CALLOWAY
Legal Lot Number	42
Jurisdiction	MADISON KY
Township / Civil Division	BOONESBOROUGH-WHITE HALL
Census Block Group	1
Census Block	1010
Census Tract	10104

Owner

Source: Madison County records, as of December 8, 2025

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
Co-owner	Co-owner on Record
Mailing Address	120 WINDCREST DR, RICHMOND, KY 40475-7912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 17, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
Nov 6, 2018	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2018 · Amount on Record
Deed Sale	Nov 6, 2018 · Amount on Record
Deed Document Number	2013984362
Deed Book / Page	D00766 / 546
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	120 WINDCREST DR, RICHMOND, KY 40475-7912
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01824/445
Date	Sep 17, 2018
Book Page	M01824/445
Instrument	2013982038

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	120 WINDCREST DR, RICHMOND, KY 40475-7912
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01824/462
Date	Sep 17, 2018
Book Page	M01824/462
Instrument	2013982039

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	120 WINDCREST DR, RICHMOND, KY 40475-7912
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01905/668
Date	Dec 9, 2019
Book Page	M01905/668
Instrument	2014003663

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	120 WINDCREST DR, RICHMOND, KY 40475-7912
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2026/230
Date	Feb 26, 2021
Book Page	M2026/230
Instrument	2014030213

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	120 WINDCREST DR, RICHMOND, KY 40475-7912
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2183/741
Date	Aug 18, 2022
Book Page	M2183/741
Instrument	2014107119

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 17, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 6, 2018
Property Address	120 WINDCREST DR, RICHMOND, KY 40475-7912
Document Number	D00766/546
Book / Page	D00766 / 546
Map Reference	MB06 PG47
Instrument Date	Nov 2, 2018
Instrument	2013984362
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9009 BEGINNINGS WAY, RICHMOND, KY 40475-0002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 WINDCREST DR, RICHMOND, KY 40475-7912

Mortgage

Document Number	2013984363
Date	Nov 6, 2018
Instrument	2013984363

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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	$2,498.00 (-2.76%) Additional exemption filed	$264,900 (-)	$264,900 (-)
2023	$2,569.00	$264,900	$264,900

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
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

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.

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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