105 Lowery Hts, Richmond, KY 40475 Property Records

Madison County property record for 105 Lowery Hts, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	0.064 acres (2,812 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Jun 2023)
Tax Bill	$1,819 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2022 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R009-0034-0016`

Property Details

APN / Parcel Number

Primary APN	`R009-0034-0016`
Alternative APNs	`109905` `82806` `39086`

Exterior

Lot Area	2,812 sqft (0.064 acres)

Location & Zoning

Account Number	39086
Street Address	105 LOWERY HTS
City	RICHMOND
State	KY
Zip	40475-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOWERY HEIGHTS PT LOT 6
Legal Subdivision	LOWERY HEIGHTS
Legal Lot Number	6
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	3
Census Block	3012
Census Tract	10301

Owner

105 Lowery Hts is owned and occupied by two individuals who bought it in June 2023.

Source: Madison County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	105 LOWERY HTS, RICHMOND, KY 40475-1723
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed, Transfer · FHA Mortgage US BANK NA
Mar 9, 2022	Deed, Construction Loan · Construction Mortgage TRADITIONAL BANK INC
Mar 13, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2023 · Amount on File
Deed Sale	Jun 12, 2023 · Amount on File
Prior Sale	Jan 31, 2022 · Amount on File
Deed Document Number	202314150119
Deed Book / Page	839 / 492
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 12, 2023
Property Address	105 LOWERY HTS, RICHMOND, KY 40475-1723
Document Number	00D839/492
Book / Page	D839 / 492
Map Reference	MB 1 PG 100
Instrument Date	Jun 7, 2023
Instrument	2014150119
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$193.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4347, MIDWAY, KY 40347-4347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 LOWERY HTS, RICHMOND, KY 40475-1723

Mortgage

Document Number	2014150124
Date	Jun 12, 2023
Instrument	2014150124

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

March 2022: Deed, Construction Loan

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 9, 2022
Property Address	105 LOWERY HTS, RICHMOND, KY 40475-1723
Document Number	00D819/708
Book / Page	D819 / 708
Map Reference	MB 1 PG 100
Instrument Date	Feb 28, 2022
Instrument	2014080703
Transaction Type	Construction Loan
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$23.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1511, RICHMOND, KY 40476-1511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4347, MIDWAY, KY 40347-4347

Mortgage

Document Number	2014080704
Date	Mar 9, 2022
Instrument	2014080704

Lender

Name	TRADITIONAL BANK INC
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 28, 2023

Interest

Rate Type	Adjustable Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Mar 13, 2019
Property Address	105 LOWERY HTS, RICHMOND, KY 40475-1723
Document Number	D00770/793
Book / Page	D00770 / 793
Map Reference	MB 1 PG 100
Instrument Date	Mar 8, 2019
Instrument	2013989511
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$15.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 WIMBERLY PL, RICHMOND, KY 40475-3541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1511, RICHMOND, KY 40476-1511
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 105 Lowery Hts was $1,819.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,819.00	$193,000	$193,000
2023	$223.00 (+53.79%)	$23,000 (+53.33%)	$23,000 (+53.33%)
2022	$145.00	$15,000	$15,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 105 Lowery Hts in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 105 Lowery Hts 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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