Madison County property record for 123 E Locust St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 685 sqft |
| Lot Size | 0.074 acres (3,240 sqft) |
| Owner | Company Name on Record |
| Last Sale | $440,000 (Apr 2020) |
| Tax Bill | $716 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R005-0003-0025 |
| Primary APN | R005-0003-0025 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 685 sqft Living Area |
| Exterior Material | Wood |
|---|---|
| Lot Area | 3,240 sqft (0.074 acres) |
| Account Number | 58206 |
|---|---|
| Street Address | 123 E LOCUST ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEDALE PARK BLK O |
| Legal Block | O |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 10602 |
Source: Madison County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1015 BROOKSTOWN RD, RICHMOND, KY 40475-9225 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK/SOMERSET |
| Apr 1, 2020 | Deed, Transfer PEOPLES BANK & TRUST CO OF MADISON |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2020 · Amount on Record |
| Deed Sale | Apr 1, 2020 · Amount on Record |
| Deed Document Number | 202014009738 |
| Deed Book / Page | 786 / 306 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 6, 2026 |
| Property Address | 123 E LOCUST ST, RICHMOND, KY 40475-1023 |
| Document Number | 0014360272 |
| Book / Page | 2481 / 484 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 202614360272 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 1015 BROOKSTOWN RD, RICHMOND, KY 40475-9225 |
| Document Number | 0014360272, |
|---|---|
| Date | Jul 6, 2026 |
| Book Page | 2481/484 |
| Instrument | 202614360272 |
| Name | CITIZENS NATIONAL BANK/SOMERSET |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 10, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 1, 2020 |
| Property Address | 123 E LOCUST ST, RICHMOND, KY 40475-1023 |
| Document Number | D00786/306 |
| Book / Page | D00786 / 306 |
| Instrument Date | Apr 1, 2020 |
| Instrument | 2014009738 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $440.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 617 MAPLE GROVE RD, RICHMOND, KY 40475-8967 |
| Name | Verified Name |
|---|---|
| Address | 1015 BROOKSTOWN RD, RICHMOND, KY 40475-9225 |
| Investor | Possibly a Property Investor |
| Document Number | 2014009739 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 2014009739 |
| Name | PEOPLES BANK & TRUST CO OF MADISON |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
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 | $716.00 (+47.63%) | $76,000 (+52%) | $76,000 (+52%) |
| 2023 | $485.00 (-0.21%) | $50,000 (-) | $50,000 (-) |
| 2022 | $486.00 | $50,000 | $50,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
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