Madison County property record for 908 Villa Dr, Richmond, KY 40475
| Property Type | Other Improved |
|---|---|
| Details | 7,168 sqft |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Oct 2024) |
| Tax Bill | $7,072 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Oct 2024 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R012-0005-00B2 |
| Primary APN | R012-0005-00B2 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 7,168 sqft Total Area |
| Exterior Material | Brick Veneer |
|---|
| Account Number | 52407 |
|---|---|
| Street Address | 908 VILLA DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-3426 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | SOUTHERN HILLS LOT B2 |
| Legal Subdivision | SOUTHERN HI |
| Legal Lot Number | B2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10902 |
908 Villa Dr is owned and occupied by an individual who bought it in October 2024.
Source: Madison County records, as of January 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 803 MUIRFIELD TRL, RICHMOND, KY 40475-8981 |
| 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 |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage THE FIRST NATIONAL BANK OF MANCHESTER |
| Oct 9, 2024 | Survivorship Deed, Transfer · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST |
| Feb 11, 2022 | Deed, Transfer · Commercial Mortgage MONTICELLO BANKING CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2024 · Amount on File |
| Deed Sale | Oct 9, 2024 · Amount on File |
| Prior Sale | Feb 11, 2022 · Amount on File |
| Deed Document Number | 2014225722 |
| Deed Book / Page | D858 / 429 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 908 VILLA DR, RICHMOND, KY 40475-3426 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M2207/99 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | M2207/99 |
| Instrument | 2014123391 |
| Name | THE FIRST NATIONAL BANK OF MANCHESTER |
|---|---|
| Address | MANCHESTER, KY 40962 |
| Amount | Amount on Record |
|---|---|
| Term | 298 Months |
| Due | Oct 13, 2047 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 9, 2024 |
| Property Address | 908 VILLA DR, RICHMOND, KY 40475-3426 |
| Document Number | 00D858/429 |
| Book / Page | D858 / 429 |
| Map Reference | MB 5 PG 166 |
| Instrument Date | Sep 30, 2024 |
| Instrument | 2014225722 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 838 E HIGH ST, LEXINGTON, KY 40502-2107 |
| Name | Verified Name |
|---|---|
| Address | 803 MUIRFIELD TRL, RICHMOND, KY 40475-8981 |
| Investor | Possibly a Property Investor |
| Document Number | 2014225723 |
|---|---|
| Date | Oct 9, 2024 |
| Instrument | 2014225723 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 11, 2022 |
| Property Address | 908 VILLA DR, RICHMOND, KY 40475-3426 |
| Document Number | 00D818/365 |
| Book / Page | D818 / 365 |
| Map Reference | MB 5 PG 166 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2014076945 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1273 LANCASTER RD, RICHMOND, KY 40475-8795 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 4347, MIDWAY, KY 40347-4347 |
| Investor | Possibly a Property Investor |
| Document Number | 0M2133/752 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | M2133/752 |
| Instrument | 2014076947 |
| Name | MONTICELLO BANKING CO |
|---|---|
| Type | Bank |
| Address | SOMERSET, KY 42501 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 10, 2047 |
The 2025 property tax bill for 908 Villa Dr was $7,072 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 | $7,072.00 Additional exemption filed | $750,000 | $750,000 |
| 2023 | $5,820.00 (+149.25%) | $600,000 (+15%) | $600,000 (+15%) |
| 2022 | $2,335.00 | $240,000 | $240,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 908 Villa 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 | 6 in force |
| Nearby Flood Claims | 1 (2026) |
| 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 908 Villa 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 | None beyond 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 | 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 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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