120 E Locust St, Richmond, KY 40475 Property Records

Madison County property record for 120 E Locust St, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	964 sqft
Owner	Individual Name on Record
Last Sale	$95,500 (Nov 2020)
Tax Bill	$924 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R005-0005-0033`

Property Details

APN / Parcel Number

Primary APN	`R005-0005-0033`
Alternative APNs	`135359` `98136` `65338`

Interior

Stories	1 Story
Building Area	964 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl

Location & Zoning

Account Number	65338
Street Address	120 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

Owner

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	120 E LOCUST ST, RICHMOND, KY 40475-1024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2020 · Amount on Record
Deed Sale	Nov 3, 2020 · Amount on Record
Prior Sale	Sep 1, 2006 · Amount on Record
Deed Document Number	2014023433
Deed Book / Page	D00796 / 478
Record Updated	Jun 8, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 3, 2020
Property Address	120 E LOCUST ST, RICHMOND, KY 40475-1024
Document Number	D00796/478
Book / Page	D00796 / 478
Instrument Date	Oct 22, 2020
Instrument	2014023433
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2400 HARRIGAN WAY, LEXINGTON, KY 40509-9036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E LOCUST ST, RICHMOND, KY 40475-1024

Mortgage

Document Number	2014023434
Date	Nov 3, 2020
Instrument	2014023434

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 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	$924.00 (-0.22%) Additional exemption filed	$98,000 (+2.62%)	$98,000 (+2.62%)
2023	$926.00 (-0.32%)	$95,500 (-)	$95,500 (-)
2022	$929.00	$95,500	$95,500

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

Flood

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.

Wildfire

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.

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 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