Madison County property record for 109 E Locust St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,312 sqft |
| Lot Size | 0.25 acres (10,907 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Nov 2021) |
| Tax Bill | $1,357 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0003-0017 |
| Primary APN | R005-0003-0017 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Basement Area | 1,312 sqft |
| Unfinished Basement | 1,312 sqft |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 10,907 sqft (0.25 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Floor/Wall Furnace |
| Account Number | 74647 |
|---|---|
| Street Address | 109 E LOCUST ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEDALE PARK LOT 7, 8 & PT 6 BLK O |
| Legal Subdivision | ROSEDALE |
| Legal Block | O |
| Legal Lot Number | 7,8 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 10602 |
Source: Madison County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 781 FITZROY LN, LEXINGTON, KY 40515-6355 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2022 | Deed of Trust, Mortgage · Line of Credit LEWISBURG BANKING COMPANY |
| Nov 2, 2021 | Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2021 · Amount on Record |
| Deed Sale | Nov 2, 2021 · Amount on Record |
| Deed Document Number | 202114062081 |
| Deed Book / Page | 813 / 650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 109 E LOCUST ST, RICHMOND, KY 40475-1023 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Title Company | NOT AVAILABLE, THE LAND GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 781 FITZROY LN, LEXINGTON, KY 40515-6355 |
| Document Number | 0M2209/360 |
|---|---|
| Date | Dec 28, 2022 |
| Book Page | M2209/360 |
| Instrument | 2014125121 |
| Name | LEWISBURG BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | LEWISBURG, KY 42256 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 2, 2021 |
| Property Address | 109 E LOCUST ST, RICHMOND, KY 40475-1023 |
| Document Number | 00D813/650 |
| Book / Page | D813 / 650 |
| Map Reference | MB 1 PG 10 |
| Instrument Date | Oct 26, 2021 |
| Instrument | 2014062081 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 216 HEDGEWOOD LN, RICHMOND, KY 40475-8187 |
| Name | Verified Name |
|---|---|
| Address | 781 FITZROY LN, LEXINGTON, KY 40515-6355 |
| Document Number | 2014062082 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 2014062082 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
Source: Madison County assessment roll, as of December 9, 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 | $1,357.00 (+55.44%) | $144,000 (+6%) | $144,000 (+6%) |
| 2023 | $873.00 (-0.23%) | $90,000 (-) | $90,000 (-) |
| 2022 | $875.00 | $90,000 | $90,000 |
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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