Madison County property record for 315 Whitlock Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,840 sqft · built 1900 |
| Lot Size | 7.41 acres (322,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $171,000 (Apr 2022) |
| Tax Bill | $1,612 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Nov 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0018-0000-0049 |
| Primary APN | 0018-0000-0049 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,840 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 322,780 sqft (7.41 acres) |
| Garage Type | Detached |
| Garage Area | 696 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 49677 |
|---|---|
| Street Address | 315 WHITLOCK RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BURRUS PLACE (7.41 ACRES) |
| Jurisdiction | MADISON KY |
| Township / Civil Division | COTTONBURG-VALLEY VIEW |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 10801 |
315 Whitlock Rd is owned and occupied by two individuals who bought it in April 2022.
Source: Madison County records, as of December 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 WHITLOCK RD, RICHMOND, KY 40475-9412 |
| 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.
| Date | Document |
|---|---|
| Apr 7, 2022 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 1, 2021 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2022 · Amount on File |
| Deed Sale | Apr 7, 2022 · Amount on File |
| Deed Document Number | 202214085479 |
| Deed Book / Page | 821 / 231 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 7, 2022 |
| Property Address | 315 WHITLOCK RD, RICHMOND, KY 40475-9412 |
| Document Number | 00D821/231 |
| Book / Page | D821 / 231 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 2014085479 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $171.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 SUNSET AVE, RICHMOND, KY 40475-1327 |
| Name | Verified Name |
|---|---|
| Address | 315 WHITLOCK RD, RICHMOND, KY 40475-9412 |
| Document Number | 2014085480 |
|---|---|
| Date | Apr 7, 2022 |
| Instrument | 2014085480 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 1, 2021 |
| Property Address | 315 WHITLOCK RD, RICHMOND, KY 40475-9412 |
| Document Number | 00D813/514 |
| Book / Page | D813 / 514 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 2014061659 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 TERRI AVE, BEREA, KY 40403-1814 |
| Name | Verified Name |
|---|---|
| Address | 228 SUNSET AVE, RICHMOND, KY 40475-1327 |
The 2025 property tax bill for 315 Whitlock Rd was $1,612.
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 | $1,612.00 | $171,000 | $171,000 |
| 2023 | $1,658.00 | $171,000 | $171,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 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 315 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.
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 11 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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