Madison County property record for 118 E Locust St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,316 sqft |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $54,000 (May 2020) |
| Tax Bill | $792 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit May 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0005-0034 |
| Primary APN | R005-0005-0034 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,316 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 8,973 sqft (0.206 acres) |
| Total Buildings | 2 Buildings |
| Account Number | 40866 |
|---|---|
| Street Address | 118 E LOCUST ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEDALE PARK BLK M |
| Legal Block | M |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1012 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 118 E LOCUST ST, RICHMOND, KY 40475-1024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| May 14, 2020 | Deed, Transfer PEOPLES BANK & TRUST CO |
| May 17, 2019 | Warranty Deed, Transfer |
| Aug 3, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2020 · Amount on Record |
| Deed Sale | May 14, 2020 · Amount on Record |
| Prior Sale | May 17, 2019 · Amount on Record |
| Deed Document Number | 202014011919 |
| Deed Book / Page | 787 / 697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 118 E LOCUST ST, RICHMOND, KY 40475-1024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 118 E LOCUST ST, RICHMOND, KY 40475-1024 |
| Document Number | 0M2185/503 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | M2185/503 |
| Instrument | 2014108563 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 17, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 14, 2020 |
| Property Address | 118 E LOCUST ST, RICHMOND, KY 40475-1024 |
| Document Number | D00787/697 |
| Book / Page | D00787 / 697 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 2014011919 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $54.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 DREYFUS RD, BEREA, KY 40403-9692 |
| Name | Verified Name |
|---|---|
| Address | 352 HIGH ST APT 1, 1, RICHMOND, KY 40475-1388 |
| Document Number | 2014011920 |
|---|---|
| Date | May 14, 2020 |
| Instrument | 2014011920 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 17, 2019 |
| Property Address | 118 E LOCUST ST, RICHMOND, KY 40475-1024 |
| Document Number | D00773/537 |
| Book / Page | D00773 / 537 |
| Instrument Date | May 16, 2019 |
| Instrument | 2013992644 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2111 TATES CREEK RD, RICHMOND, KY 40475-9488 |
| Name | Verified Name |
|---|---|
| Address | 414 DREYFUS RD, BEREA, KY 40403-9692 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 3, 2017 |
| Property Address | 118 E LOCUST ST, RICHMOND, KY 40475-1024 |
| Document Number | D00748/363 |
| Book / Page | D00748 / 363 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 2013962611 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $30.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3472 LANCASTER RD, RICHMOND, KY 40475-9677 |
| Name | Verified Name |
|---|---|
| Address | 119 HAMMONDS DR, RICHMOND, KY 40475-2307 |
| Investor | Possibly a Property Investor |
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 | $792.00 (+51.43%) | $84,000 (+55.56%) | $84,000 (+55.56%) |
| 2023 | $523.00 (-0.38%) | $54,000 (-) | $54,000 (-) |
| 2022 | $525.00 | $54,000 | $54,000 |
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 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures