Madison County property record for 105 E Walnut St, Richmond, KY 40475
| Property Type | Other Improved |
|---|---|
| Details | 5 bd · 4 ba · 1,796 sqft |
| Lot Size | 0.112 acres (4,894 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,635,000 (Jan 2026) |
| Tax Bill | $990 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jan 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R007-0028-0012 |
| Primary APN | R007-0028-0012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 17 Rooms |
| Stories | 1 Story |
| Building Area | 1,796 sqft Total Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Finished Basement | 1,008 sqft |
| Exterior Material | Stucco |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,894 sqft (0.112 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Heat Pump |
| Account Number | 69094 |
|---|---|
| Street Address | 105 E WALNUT ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1217 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | DESC |
| Legal Subdivision | SOUTHERN HILLS |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10400 |
Source: Madison County records · APN R007-0028-0012
Assessment roll updated December 9, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 838 E HIGH ST, LEXINGTON, KY 40502-2107 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 06, 2026 | Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK |
| Jan 20, 2026 | Deed of Trust, Mortgage · Non-Conforming Investor Loan HEARTHSIDE BANK CORP |
| Feb 11, 2022 | Deed of Trust, Mortgage · Commercial Mortgage MONTICELLO BANKING CO |
| Feb 11, 2022 | Quit Claim Deed, Transfer Quitclaim |
| May 04, 2021 | Deed, Transfer · Line of Credit FIELD & MAIN BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 20, 2026 · Amount on Record |
| Deed Sale | Jan 20, 2026 · Amount on Record |
| Prior Sale | May 04, 2021 · Amount on Record |
| Deed Document Number | 202614312821 |
| Deed Book / Page | 878 / 523 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 06, 2026 |
| Property Address | 105 E WALNUT ST, RICHMOND, KY 40475-1217 |
| Document Number | 0014359979 |
| Book / Page | 2481 / 243 |
| Instrument Date | Jul 01, 2026 |
| Instrument | 202614359979 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1137 ALDRIDGE WAY, LEXINGTON, KY 40515-6291 |
| Document Number | 0014359979, |
|---|---|
| Date | Jul 06, 2026 |
| Book Page | 2481/243 |
| Instrument | 202614359979 |
| Name | STOCK YARDS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 105 E WALNUT ST, RICHMOND, KY 40475-1217 |
| Transaction Type | Mortgage |
| Record Updated | Feb 04, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M2440/65 |
|---|---|
| Date | Jan 20, 2026 |
| Book Page | M2440/65 |
| Instrument | 2014312822 |
| Name | HEARTHSIDE BANK CORP |
|---|---|
| Type | Bank |
| Address | HARLAN, KY 40831 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 16, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 105 E WALNUT ST, RICHMOND, KY 40475-1217 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2023 |
| Name | Verified Name |
|---|---|
| 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 Recorded |
| Term | 300 Months |
| Due | Feb 10, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 11, 2022 |
| Property Address | 105 E WALNUT ST, RICHMOND, KY 40475-1217 |
| Document Number | 00D818/353 |
| Book / Page | D818 / 353 |
| Map Reference | MB P5 PG 7 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2014076941 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4347, MIDWAY, KY 40347-4347 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 4347, MIDWAY, KY 40347-4347 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 04, 2021 |
| Property Address | 105 E WALNUT ST, RICHMOND, KY 40475-1217 |
| Document Number | 00D804/562 |
| Book / Page | D804 / 562 |
| Instrument Date | Apr 22, 2021 |
| Instrument | 2014035562 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $65.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3072 PALMER DR, SIERRA VISTA, AZ 85650-6676 |
| Name | Verified Name |
|---|---|
| Address | 920 CHINOE CT, LEXINGTON, KY 40502-6104 |
| Document Number | 0M2049/616 |
|---|---|
| Date | May 04, 2021 |
| Book Page | M2049/616 |
| Instrument | 2014035564 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Apr 22, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $990.00 (+55.91%) | $105,000 (+60.31%) | $105,000 (+60.31%) |
| 2023 | $635.00 (-0.31%) | $65,500 (-) | $65,500 (-) |
| 2022 | $637.00 | $65,500 | $65,500 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 1 in force |
| Wildfire Risk | Low lower than 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 348 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RICHMOND UTILITIES serves 35,640 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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