130 Whitlock Rd, Richmond, KY 40475 Property Records

Madison County property record for 130 Whitlock Rd, Richmond, KY 40475

Property Summary

Property Type	Other
Lot Size	8.6 acres (375,052 sqft)
Owner	Individual Name on File
Last Sale	$84,000 (Feb 2021)
Tax Bill	$330 (2025)
Deeds & Mortgages	Feb 2023 Construction Loan Nov 2022 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`0018-0000-0070-A1`

Property Details

APN / Parcel Number

Primary APN	`0018-0000-0070-A1`
Alternative APNs	`126411` `89296` `55945`

Exterior

Lot Area	375,052 sqft (8.6 acres)

Location & Zoning

Account Number	55945
Street Address	130 WHITLOCK RD
City	RICHMOND
State	KY
Zip	40475-9411
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	TRACT 1 (8.61 ACRES)
Legal Tract	1
Jurisdiction	MADISON KY
Township / Civil Division	COTTONBURG-VALLEY VIEW
Census Block Group	1
Census Block	1023
Census Tract	10801

Owner

130 Whitlock Rd is owned and occupied by an individual who acquired it in November 2022.

Source: Madison County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2154 TATES CREEK RD, RICHMOND, KY 40475-9488
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
Feb 1, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST SOUTHERN NATIONAL BANK
Nov 22, 2022	Intrafamily Transfer, Transfer
Feb 4, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2021 · Amount on File
Deed Sale	Feb 4, 2021 · Amount on File
Prior Sale	Feb 4, 2021 · Amount on File
Deed Document Number	00D800/652
Deed Book / Page	D800 / 652
Last Transfer Date	Nov 22, 2022
Transfer Doc	000D832/38
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	130 WHITLOCK RD, RICHMOND, KY 40475-9411
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2154 TATES CREEK RD, LEXINGTON, KY 40503

Mortgage

Document Number	0M2214/743
Date	Feb 1, 2023
Book Page	M2214/743
Instrument	2014130016

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	LEXINGTON, KY 40503

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	312 Months
Due	Feb 20, 2049

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Nov 22, 2022
Property Address	130 WHITLOCK RD, RICHMOND, KY 40475-9411
Document Number	000D832/38
Book / Page	D832 / 38
Map Reference	MB P29 PG 233
Instrument Date	Nov 22, 2022
Instrument	2014120985
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 TATES CREEK RD, RICHMOND, KY 40475-9488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2154 TATES CREEK RD, RICHMOND, KY 40475-9488

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 4, 2021
Property Address	130 WHITLOCK RD, RICHMOND, KY 40475-9411
Document Number	00D800/652
Book / Page	D800 / 652
Map Reference	MB P29 PG 233
Instrument Date	Feb 3, 2021
Instrument	2014028874
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$84.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 OND STREET, RICHMOND, KY 40475

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1823, RICHMOND, KY 40476-1823

Tax Assessment & Valuation

The 2025 property tax bill for 130 Whitlock Rd was $330 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	$330.00 Additional exemption filed	$35,000	$35,000
2023	$339.00	$35,000	$35,000

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 130 Whitlock Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	10 (2015–2026)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jun 2026 · 6 claims Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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 130 Whitlock Rd is low, with a 0.04% 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	0.04% 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	MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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