Madison County property record for 1022 Isaac Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $261,000 (Jul 2026) |
| Tax Bill | $1,405 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0109-0001-0044 |
| Primary APN | 0109-0001-0044 |
|---|---|
| Alternative APNs |
|
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Account Number | 59038 |
|---|---|
| Street Address | 1022 ISAAC DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DREAMLAND LOT 44 PH 4 |
| Legal Subdivision | DREAMLAND |
| Legal Phase | 4 |
| Legal Lot Number | 44 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 11002 |
Source: Madison County records, as of July 13, 2026
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 |
|---|---|
| Mailing Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed, Transfer · Conventional Mortgage EMM LOANS LLC |
| Nov 25, 2025 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 18, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| May 13, 2020 | Deed, Transfer · VA Mortgage US BANK NA |
| Jan 6, 2017 | Deed, Transfer · VA Mortgage WHITAKER BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2026 · Amount on Record |
| Deed Sale | Jul 6, 2026 · Amount on Record |
| Prior Sale | May 13, 2020 · Amount on Record |
| Deed Document Number | 202614359941 |
| Deed Book / Page | 885 / 94 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 6, 2026 |
| Property Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Document Number | 0014359941 |
| Book / Page | 885 / 94 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202614359941 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,361.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Document Number | 0014359945, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 202614359945 |
| Name | EMM LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Document Number | 0M2426/629 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | M2426/629 |
| Instrument | 2014301070 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | HOPKINS, MN 55343 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Document Number | 0M2184/132 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | M2184/132 |
| Instrument | 2014107385 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 13, 2020 |
| Property Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Document Number | D00787/635 |
| Book / Page | D00787 / 635 |
| Map Reference | MB 24 SL 95 |
| Instrument Date | May 8, 2020 |
| Instrument | 2014011893 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $149.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2395 WATERWORKS RD, 2395, DANVILLE, KY 40422-9341 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 324 BOONE WAY, RICHMOND, KY 40475-9445 |
| Document Number | 2014011894 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 2014011894 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 6, 2017 |
| Property Address | 1022 ISAAC DR, RICHMOND, KY 40475-7514 |
| Document Number | 0D0740/137 |
| Book / Page | D0740 / 137 |
| Map Reference | MB P24 PG95 |
| Instrument Date | Jan 5, 2017 |
| Instrument | 952679 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2652 DREYSS RD, 2652, WACO, KY 40385 |
| Name | Verified Name |
|---|---|
| Address | 501 TOMAHAWK DR, HARRODSBURG, KY 40330-2236 |
| Document Number | 0000952680 |
|---|---|
| Date | Jan 6, 2017 |
| Instrument | 952680 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,405.00 (-2.77%) | $149,000 (-) | $149,000 (-) |
| 2023 | $1,445.00 | $149,000 | $149,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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