Madison County property record for 976 Villa Dr, Richmond, KY 40475
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 4,480 sqft |
| Lot Size | 0.37 acres (16,120 sqft) |
| Owner | Company Name on File |
| Last Sale | $170,000 (Nov 2011) |
| Tax Bill | $2,876 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2017 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R012-0005-0015 |
| Primary APN | R012-0005-0015 |
|---|---|
| Alternative APNs |
|
| Units | 5 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,480 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 16,120 sqft (0.37 acres) |
| Account Number | 52408 |
|---|---|
| Street Address | 976 VILLA DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-3490 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | SOUTHERN HILLS LOT 16 |
| Legal Subdivision | SOUTHERN HI |
| Legal Tract | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10902 |
976 Villa Dr, a residential property, is owned by a company that acquired it in November 2024.
Source: Madison County records, as of May 11, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 803 MUIRFIELD TRL, RICHMOND, KY 40475-8981 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Apr 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage EAST NATIONAL BANK |
| Oct 5, 2017 | Deed of Trust, Mortgage · Line of Credit KENTUCKY BANK |
| Nov 8, 2024 | Deed, Transfer |
| May 30, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Jul 15, 2022 | Deed, Transfer · Stand-Alone First Mortgage FIRST NATIONAL BANK RUSSELL SPRINGS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2011 · Amount on File |
| Deed Sale | Nov 9, 2011 · Amount on File |
| Prior Sale | Nov 9, 2011 · Amount on File |
| Deed Document Number | 2011468685 |
| Deed Book / Page | 672 / 734 |
| Last Transfer Date | Nov 8, 2024 |
| Transfer Doc | 00D859/655 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 28, 2026 |
| Property Address | 976 VILLA DR, RICHMOND, KY 40475-3490 |
| Document Number | 0014342944 |
| Book / Page | 2463 / 70 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 202614342944 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 803 MUIRFIELD TRL, RICHMOND, KY 40475-8981 |
| Investor | Possibly a Property Investor |
| Document Number | 0014342944, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 2463/70 |
| Instrument | 202614342944 |
| Name | EAST NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 28, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 976 VILLA DR, RICHMOND, KY 40475-3490 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01768/184 |
|---|---|
| Date | Oct 5, 2017 |
| Book Page | M01768/184 |
| Instrument | 2013965827 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40361 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 13, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 8, 2024 |
| Property Address | 976 VILLA DR, RICHMOND, KY 40475-3490 |
| Document Number | 00D859/655 |
| Book / Page | D859 / 655 |
| Map Reference | MB 4 PG 84 |
| Instrument Date | Nov 8, 2024 |
| Instrument | 2014231170 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 803 MUIRFIELD TRL, RICHMOND, KY 40475-8981 |
| Name | Verified Name |
|---|---|
| Address | 803 MUIRFIELD TRL, RICHMOND, KY 40475-8981 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 30, 2023 |
| Property Address | 976 VILLA DR, RICHMOND, KY 40475-3490 |
| Document Number | 00D838/783 |
| Book / Page | D838 / 783 |
| Map Reference | MB 5 PG 7 |
| Instrument Date | May 3, 2023 |
| Instrument | 2014147834 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1012 ASHLEY CT, RICHMOND, KY 40475-9096 |
| Name | Verified Name |
|---|---|
| Address | 803 MUIRFIELD TRL, RICHMOND, KY 40475-8981 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 15, 2022 |
| Property Address | 976 VILLA DR, RICHMOND, KY 40475-3490 |
| Document Number | 00D826/207 |
| Book / Page | D826 / 207 |
| Map Reference | MB 4 PG 84 |
| Instrument Date | Jul 14, 2022 |
| Instrument | 2014101682 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $305.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 172 WOODLARK RD, VERSAILLES, KY 40383-9174 |
| Name | Verified Name |
|---|---|
| Address | 803 MUIRFIELD TRL, RICHMOND, KY 40475-8981 |
| Investor | Possibly a Property Investor |
| Document Number | 2014101683 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 2014101683 |
| Name | FIRST NATIONAL BANK RUSSELL SPRINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 14, 2042 |
The 2025 property tax bill for 976 Villa Dr was $2,876.
Source: Madison County assessment roll, as of December 9, 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 | $2,876.00 | $305,000 | $305,000 |
| 2023 | $2,958.00 (+21.63%) | $305,000 (+22%) | $305,000 (+22%) |
| 2022 | $2,432.00 | $250,000 | $250,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 976 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 976 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 | 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.
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 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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