Madison County property record for 1012 Center Dr, Richmond, KY 40475
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 3,029 sqft |
| Owner | Individual Name on File |
| Last Sale | $224,900 (Sep 2021) |
| Tax Bill | $9,901 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2018 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0069-0012-0021 |
| Primary APN | 0069-0012-0021 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,029 sqft Total Area |
| Exterior Material | Brick |
|---|
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 49720 |
|---|---|
| Street Address | 1012 CENTER DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-3838 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | RICHMOND BUSINESS CENTER LOT 21 |
| Legal Subdivision | RICHMOND BUSINESS CENTER |
| Legal Phase | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10902 |
1012 Center Dr, a commercial property, is owned and occupied by an individual who bought it in September 2021.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 267, RICHMOND, KY 40476-0267 |
| 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 12, 2025 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Aug 6, 2018 | Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Aug 6, 2018 | Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Jul 16, 2021 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Sep 19, 2022 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Jun 1, 2023 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Jul 22, 2024 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Sep 7, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2021 · Amount on File |
| Deed Sale | Sep 7, 2021 · Amount on File |
| Prior Sale | Jun 23, 2006 |
| Deed Document Number | 2014051815 |
| Deed Book / Page | D811 / 20 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1012 CENTER DR, RICHMOND, KY 40475-3838 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 267, RICHMOND, KY 40476-0267 |
| Document Number | 0M2430/249 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | M2430/249 |
| Instrument | 2014304849 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1012 CENTER DR, RICHMOND, KY 40475-3838 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01817/535 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | M01817/535 |
| Instrument | 2013979791 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1012 CENTER DR, RICHMOND, KY 40475-3838 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01817/539 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | M01817/539 |
| Instrument | 2013979792 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1012 CENTER DR, RICHMOND, KY 40475-3838 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2073/315 |
|---|---|
| Date | Jul 16, 2021 |
| Book Page | M2073/315 |
| Instrument | 2014044823 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 18 Months |
| Due | Jan 15, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1012 CENTER DR, RICHMOND, KY 40475-3838 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2190/403 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | M2190/403 |
| Instrument | 2014111852 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Sep 14, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1012 CENTER DR, RICHMOND, KY 40475-3838 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2237/423 |
|---|---|
| Date | Jun 1, 2023 |
| Book Page | M2237/423 |
| Instrument | 2014148635 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1012 CENTER DR, RICHMOND, KY 40475-3838 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2313/746 |
|---|---|
| Date | Jul 22, 2024 |
| Book Page | M2313/746 |
| Instrument | 2014213686 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 7, 2021 |
| Property Address | 1012 CENTER DR, RICHMOND, KY 40475-3838 |
| Document Number | 000D811/20 |
| Book / Page | D811 / 20 |
| Map Reference | CAB 21 SL 315 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2014051815 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 124 COMMERCE DR, BEREA, KY 40403-8870 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 607 APRICOT DR, RICHMOND, KY 40475-8684 |
The 2025 property tax bill for 1012 Center Dr was $9,901 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 | $9,901.00 Additional exemption filed | $1,050,000 | $1,050,000 |
| 2023 | $3,589.00 (-0.31%) | $370,000 (-) | $370,000 (-) |
| 2022 | $3,600.00 | $370,000 | $370,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1012 Center 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 1012 Center 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 | 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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