Madison County property record for 107 E Locust St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,354 sqft |
| Owner | Individual Name on Record |
| Last Sale | $83,000 (Aug 2019) |
| Tax Bill | $1,216 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0003-0016 |
| Primary APN | R005-0003-0016 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,354 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|
| Account Number | 66931 |
|---|---|
| Street Address | 107 E LOCUST ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEDALE PARK LOT 9 & 10 BLK O |
| Legal Subdivision | ROSEDALE |
| Legal Block | O |
| Legal Lot Number | 9,10 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 10602 |
Source: Madison County records, as of December 8, 2025
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 | 107 E LOCUST ST, RICHMOND, KY 40475-1023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2017 | Deed of Trust, Mortgage · Commercial Mortgage PEOPLES EXCHANGE BANK (STANTON KY) |
| Aug 8, 2019 | Warranty Deed, Transfer · FHA Mortgage CENTURY LENDING CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2019 · Amount on Record |
| Deed Sale | Aug 8, 2019 · Amount on Record |
| Deed Document Number | 2013996872 |
| Deed Book / Page | D00777 / 106 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 107 E LOCUST ST, RICHMOND, KY 40475-1023 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | M01746/310 |
|---|---|
| Date | Jun 8, 2017 |
| Book Page | M01746/310 |
| Instrument | 2013959782 |
| Name | PEOPLES EXCHANGE BANK (STANTON KY) |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40502 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 7, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 8, 2019 |
| Property Address | 107 E LOCUST ST, RICHMOND, KY 40475-1023 |
| Document Number | D00777/106 |
| Book / Page | D00777 / 106 |
| Map Reference | CAB 1 PG 53 |
| Instrument Date | Aug 2, 2019 |
| Instrument | 2013996872 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Title Company | EXECUTIVE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $83.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 LAUREL RD, LONDON, KY 40744-8504 |
| Name | Verified Name |
|---|---|
| Address | 107 E LOCUST ST, RICHMOND, KY 40475-1023 |
| Document Number | 2013996873 |
|---|---|
| Date | Aug 8, 2019 |
| Instrument | 2013996873 |
| Name | CENTURY LENDING CO |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $1,216.00 (+44.25%) Additional exemption filed | $129,000 (+48.28%) | $129,000 (+48.28%) |
| 2023 | $843.00 (-0.35%) | $87,000 (-) | $87,000 (-) |
| 2022 | $846.00 | $87,000 | $87,000 |
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 AE, within 500 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 99.8% of the US · lower than 99.9% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 396 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 |
| Verizon Fixed Wireless | 300 / 20 |
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