1306 Spurlock Dr, Richmond, KY 40475 Property Records

Madison County property record for 1306 Spurlock Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,139 sqft
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,111 (2025)
Deeds & Mortgages	Sep 2005 Second Mortgage Oct 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023A-0003-0014-E`

Property Details

APN / Parcel Number

Primary APN	`023A-0003-0014-E`
Alternative APNs	`108518` `145849` `76018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,139 sqft Living Area
1st Floor Area	1,139 sqft
Basement Area	1,139 sqft
Unfinished Basement	1,139 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	76018
Street Address	1306 SPURLOCK DR
City	RICHMOND
State	KY
Zip	40475-9712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 ACRE
Legal Subdivision	SPRINGLAKE SUBDIVISION
Jurisdiction	MADISON KY
Township / Civil Division	KIRKSVILLE
Census Block Group	2
Census Block	2045
Census Tract	10801

Owner

Source: Madison County records, as of February 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1306 SPURLOCK DR, RICHMOND, KY 40475-9712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EQUITY ONE INC
Oct 23, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 30, 2026	Intrafamily Transfer, Transfer · FHA Mortgage SERVBANK SB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026
Deed Sale	Jan 30, 2026
Deed Document Number	202614314903
Deed Book / Page	878 / 699
Prior Transfer Date	Jan 13, 2026
Prior Transfer Doc	00D878/699
Record Updated	Jun 8, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1306 SPURLOCK DR, RICHMOND, KY 40475-9712
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1050/645
Date	Sep 22, 2005
Book Page	M1050/645
Instrument	353667

Lender

Name	EQUITY ONE INC
Type	Subprime Lender
Address	RICHMOND, KY 40475

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 23, 2025

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1306 SPURLOCK DR, RICHMOND, KY 40475-9712
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2334/400
Date	Oct 23, 2024
Book Page	M2334/400
Instrument	2014227975

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Jan 30, 2026
Property Address	1306 SPURLOCK DR, RICHMOND, KY 40475-9712
Document Number	00D878/699
Book / Page	D878 / 699
Instrument Date	Jan 13, 2026
Instrument	2014314903
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	CLIENT FIRST TITLE INC, CLIENTFIRST TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1306 SPURLOCK DR, RICHMOND, KY 40475-9712

Mortgage

Document Number	2014314908
Date	Jan 30, 2026
Instrument	2014314908

Lender

Name	SERVBANK SB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 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	$1,111.00 (+6.42%) Homeowner's exemption	$167,000 (+8.44%)	$167,000 (+8.44%)
2023	$1,044.00 Homeowner's exemption	$154,000	$154,000

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 · 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 9 (5% 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

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% 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	KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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