120 Lowery Hts, Richmond, KY 40475 Property Records

Madison County property record for 120 Lowery Hts, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	1,176 sqft
Lot Size	0.26 acres (11,327 sqft)
Owner	Company Name on File
Last Sale	$143,500 (Jul 2025)
Tax Bill	$1,296 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`R009-0035-0004`

Property Details

APN / Parcel Number

Primary APN	`R009-0035-0004`
Alternative APNs	`128379` `91233` `63180`

Interior

Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	11,327 sqft (0.26 acres)

Location & Zoning

Account Number	63180
Street Address	120 LOWERY HTS
City	RICHMOND
State	KY
Zip	40475-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOWERY HEIGHTS PT LOT 23, 24 & 27
Legal Subdivision	LOWERY HEIGHTS
Legal Lot Number	23,24
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	3
Census Block	3010
Census Tract	10301

Owner

120 Lowery Hts is owned by a company that bought it in July 2025.

Source: Madison County records, as of October 5, 2026

Owner of Record	Company Name on File
Mailing Address	820 FOLLIN LN SE, VIENNA, VA 22180-4907
Owner Type	Company

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
Feb 23, 2022	Deed, Transfer · Conventional Mortgage NAVY FCU
Dec 23, 2020	Warranty Deed, Construction Loan · Construction Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2025 · Amount on File
Deed Sale	Jul 3, 2025 · Amount on File
Prior Sale	Feb 23, 2022 · Amount on File
Deed Document Number	202514270709
Deed Book / Page	869 / 723
Record Updated	Oct 29, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 23, 2022
Property Address	120 LOWERY HTS, RICHMOND, KY 40475-1724
Document Number	00D818/709
Book / Page	D818 / 709
Instrument Date	Feb 18, 2022
Instrument	2014078644
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 BONNIE DR, 230, RICHMOND, KY 40475-2187

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	120 LOWERY HTS, RICHMOND, KY 40475-1724

Mortgage

Document Number	2014078649
Date	Feb 23, 2022
Instrument	2014078649

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

December 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Dec 23, 2020
Property Address	120 LOWERY HTS, RICHMOND, KY 40475-1724
Document Number	0D00789/20
Book / Page	D00789 / 20
Instrument Date	Dec 23, 2020
Instrument	2014026492
Transaction Type	Construction Loan
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	958 SIESTA DR, 958, RICHMOND, KY 40475-3406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 LOWERY HTS, RICHMOND, KY 40475-1724

Mortgage

Document Number	2014026493
Date	Dec 23, 2020
Instrument	2014026493

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 23, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 120 Lowery Hts was $1,296.

Source: Madison County assessment roll, as of December 9, 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	$1,296.00	$137,500	$137,500
2023	$1,333.00 (+256.42%)	$137,500 (+257.14%)	$137,500 (+257.14%)
2022	$374.00	$38,500	$38,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 120 Lowery Hts 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 8 (10% 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 120 Lowery Hts is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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.

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 464 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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