315 Binnacle Ct, Richmond, KY 40475 Property Records

Madison County property record for 315 Binnacle Ct, Richmond, KY 40475

Property Summary

Property Type	Other
Owner	2 Trust Names on File
Last Sale	$314,900 (Jul 2024)
Tax Bill	$2,506 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0005-0042`

Property Details

APN / Parcel Number

Primary APN	`0068-0005-0042`
Alternative APNs	`121992` `84967` `49987`

Location & Zoning

Account Number	49987
Street Address	315 BINNACLE CT
City	RICHMOND
State	KY
Zip	40475-7640
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	ASHPARK LOT 42
Legal Lot Number	42
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1020
Census Tract	10301

Owner

315 Binnacle Ct is owner-occupied and held in a trust since July 2024.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	315 BINNACLE CT, RICHMOND, KY 40475-7640
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 1, 2024	Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
May 10, 2021	Deed, Subdivision Related Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 1, 2024 · Amount on File
Deed Sale	Jul 1, 2024 · Amount on File
Prior Sale	May 10, 2021 · Amount on File
Deed Document Number	2014210839
Deed Book / Page	D854 / 301
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	315 BINNACLE CT, RICHMOND, KY 40475-7640
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 BINNACLE CT, RICHMOND, KY 40475-7640

Mortgage

Document Number	0M2275/563
Date	Dec 27, 2023
Book Page	M2275/563
Instrument	2014184051

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 20, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 1, 2024
Property Address	315 BINNACLE CT, RICHMOND, KY 40475-7640
Document Number	00D854/301
Book / Page	D854 / 301
Map Reference	CAB 29 SL 107
Instrument Date	Jun 28, 2024
Instrument	2014210839
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	255 WILLIAMS ST # 8, 8, MOUNT VERNON, KY 40456-2900

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	315 BINNACLE CT, RICHMOND, KY 40475-7640

Mortgage

Document Number	2014210842
Date	Jul 1, 2024
Instrument	2014210842

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2054

May 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 10, 2021
Property Address	315 BINNACLE CT, RICHMOND, KY 40475-7640
Document Number	00D804/740
Book / Page	D804 / 740
Map Reference	CAB 29 SL 107
Instrument Date	May 6, 2021
Instrument	2014036194
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 9, 2025
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1301 MULE SHED LN, RICHMOND, KY 40475-9772

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	315 BINNACLE CT, RICHMOND, KY 40475-7640

Mortgage

Document Number	2014036195
Date	May 10, 2021
Instrument	2014036195

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 315 Binnacle Ct was $2,506 with a homeowner's exemption.

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,506.00 Homeowner's exemption	$314,900	$314,900
2023	$2,376.00 (-0.29%)	$245,000 (-)	$245,000 (-)
2022	$2,383.00	$245,000	$245,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 315 Binnacle Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 8 (10% 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

Wildfire risk around 315 Binnacle Ct is low, with a 0.04% 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	0.04% 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 353 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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