Madison County property record for 240 Whitlock Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 2,355 sqft |
| Lot Size | 82 acres (3,571,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $459,900 (May 2022) |
| Tax Bill | $673 (2025) |
| Deeds & Mortgages | May 2022 Sale & Second Mortgage Nov 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 0018-0000-0064 |
| Primary APN | 0018-0000-0064 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,355 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 3,571,920 sqft (82 acres) |
| Garage Type | Detached |
| Account Number | 57475 |
|---|---|
| Street Address | 240 WHITLOCK RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9497 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 82 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | COTTONBURG-VALLEY VIEW |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10801 |
240 Whitlock Rd is owned and occupied by an individual who bought it in May 2022.
Source: Madison County records, as of February 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 240 WHITLOCK RD, RICHMOND, KY 40475-9497 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2022 | Deed, Transfer · Stand-Alone Second Mortgage FARM CREDIT MID AMERICA FLCA |
| Nov 24, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on File |
| Deed Sale | May 11, 2022 · Amount on File |
| Deed Document Number | 202214091442 |
| Deed Book / Page | 823 / 127 |
| Prior Transfer Date | Nov 23, 2021 |
| Prior Transfer Doc | 00D814/735 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 11, 2022 |
| Property Address | 240 WHITLOCK RD, RICHMOND, KY 40475-9497 |
| Document Number | 00D823/127 |
| Book / Page | D823 / 127 |
| Instrument Date | May 10, 2022 |
| Instrument | 2014091442 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 BALDWIN RD, 305, RICHMOND, KY 40475-9415 |
| Name | Verified Name |
|---|---|
| Address | 240 WHITLOCK RD, RICHMOND, KY 40475-9497 |
| Document Number | 2014091443 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 2014091443 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 24, 2021 |
| Property Address | 240 WHITLOCK RD, RICHMOND, KY 40475-9497 |
| Document Number | 00D814/735 |
| Book / Page | D814 / 735 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 2014065670 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 BALDWIN RD, 305, RICHMOND, KY 40475-9415 |
| Name | Verified Name |
|---|
The 2025 property tax bill for 240 Whitlock Rd was $673 with a homeowner's exemption.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $673.00 Homeowner's exemption | $120,500 | $120,500 |
| 2023 | $1,168.00 | $120,500 | $120,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 240 Whitlock Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2015.
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 | 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 |
|
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 risk around 240 Whitlock Rd is low, with a 0.05% 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 | 0.05% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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