1099 Lakeside Dr, Richmond, KY 40475 Property Records

Madison County property record for 1099 Lakeside Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,279 sqft
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$12,000 (Aug 2014)
Tax Bill	$1,279 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023A-0007-0001-A`

Property Details

APN / Parcel Number

Primary APN	`023A-0007-0001-A`
Alternative APNs	`108133` `145465` `75635`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,279 sqft Living Area

Exterior

Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Basement
Garage Area	626 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	75635
Street Address	1099 LAKESIDE DR
City	RICHMOND
State	KY
Zip	40475-8843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING LAKE LOT 63A, 64A & 65A
Legal Subdivision	SPRING LAKE
Legal Lot Number	63A,64A
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2065
Census Tract	10801

Owner

1099 Lakeside Dr is owned and occupied by two individuals who bought it in August 2014.

Source: Madison County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1099 LAKESIDE DR, RICHMOND, KY 40475-8843
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
Nov 28, 2023	Deed of Trust, Mortgage · Line of Credit L&N FCU
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Jun 23, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2014 · Amount on File
Deed Sale	Aug 5, 2014 · Amount on File
Deed Document Number	0000706247
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1099 LAKESIDE DR, RICHMOND, KY 40475-8843
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2271/695
Date	Nov 28, 2023
Book Page	M2271/695
Instrument	2014179359

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 27, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1099 LAKESIDE DR, RICHMOND, KY 40475-8843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01965/530
Date	Aug 7, 2020
Book Page	M01965/530
Instrument	2014017553

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2035

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1099 LAKESIDE DR, RICHMOND, KY 40475-8843
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2013960506
Date	Jun 23, 2017
Book Page	M01749/286
Instrument	2013960506

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1099 LAKESIDE DR, RICHMOND, KY 40475-8843
Transaction Type	Mortgage
Record Updated	May 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2013957366
Date	Apr 19, 2017
Book Page	M01737/538
Instrument	2013957366

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1099 Lakeside Dr was $1,279 with an additional exemption.

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,279.00 Additional exemption filed	$135,700	$135,700
2023	$1,316.00	$135,700	$135,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1099 Lakeside Dr 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 9 (5% 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 1099 Lakeside Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lakeside Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures