Madison County property record for 2005 Willow Dr, Richmond, KY 40475
| Property Type | Commercial |
|---|---|
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | Company Name on Record |
| Last Sale | $3,070,000 (Apr 2024) |
| Tax Bill | $9,650 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Apr 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0070-0002-0009-12C |
| Primary APN | 0070-0002-0009-12C |
|---|---|
| Alternative APNs |
|
| Units | 8 Units |
|---|
| Lot Area | 26,572 sqft (0.61 acres) |
|---|
| Account Number | 75813 |
|---|---|
| Street Address | 2005 WILLOW DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-8311 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | AUTUMN PLACE LOT 12D |
| Legal Subdivision | AUTUMN PLACE |
| Legal Lot Number | 12D |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 10902 |
Source: Madison County records, as of September 11, 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 | 260 HAMBRICK DR, NICHOLASVILLE, KY 40356-6061 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Apr 4, 2024 | Deed, Transfer · Commercial Mortgage FIRST FINANCIAL BANK NA |
| Mar 28, 2024 | Deed, Transfer |
| Feb 19, 2019 | Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK |
| Jun 8, 2020 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2024 · Amount on Record |
| Deed Sale | Apr 4, 2024 · Amount on Record |
| Deed Document Number | 202414197698 |
| Deed Book / Page | 850 / 608 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 28, 2026 |
| Property Address | 2005 WILLOW DR, RICHMOND, KY 40475-8311 |
| Document Number | 0014372071 |
| Book / Page | 2496 / 655 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202614372071 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0014372071, |
|---|---|
| Date | Aug 28, 2026 |
| Book Page | 2496/655 |
| Instrument | 202614372071 |
| Name | COMMONWEALTH CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 25, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 4, 2024 |
| Property Address | 2005 WILLOW DR, RICHMOND, KY 40475-8311 |
| Document Number | 00D850/608 |
| Book / Page | D850 / 608 |
| Map Reference | CAB 24 PG 339 |
| Instrument Date | Mar 27, 2024 |
| Instrument | 2014197698 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,070.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2501 LENLAKE CT, LEXINGTON, KY 40513-1426 |
| Name | Verified Name |
|---|---|
| Address | 260 HAMBRICK DR, NICHOLASVILLE, KY 40356-6061 |
| Document Number | 2014197699 |
|---|---|
| Date | Apr 4, 2024 |
| Instrument | 2014197699 |
| Name | FIRST FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Mar 27, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 28, 2024 |
| Property Address | 2005 WILLOW DR, RICHMOND, KY 40475-8311 |
| Document Number | 00D850/353 |
| Book / Page | D850 / 353 |
| Map Reference | CAB 24 PG 339 |
| Instrument Date | Mar 27, 2024 |
| Instrument | 2014196633 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,605.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1029 MONARCH ST, LEXINGTON, KY 40513-1874 |
| Name | Verified Name |
|---|---|
| Address | 2216 GULFSTREAM DR, LEXINGTON, KY 40504-3271 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 2005 WILLOW DR, RICHMOND, KY 40475-8311 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01847/392 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | M01847/392 |
| Instrument | 2013988492 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | SOMERSET, KY 42501 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 19, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 2005 WILLOW DR, RICHMOND, KY 40475-8311 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01946/595 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | M01946/595 |
| Instrument | 2014013447 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | SOMERSET, KY 42501 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 5, 2040 |
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 | $9,650.00 (+28.38%) | $1,023,334 (+32.04%) | $1,023,334 (+32.04%) |
| 2023 | $7,517.00 (-0.31%) | $775,000 (-) | $775,000 (-) |
| 2022 | $7,540.00 | $775,000 | $775,000 |
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 |
|---|---|
| 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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