Madison County property record for 400 Whitlock Rd, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $235 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Jan 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0018-0000-0060-01 |
| Primary APN | 0018-0000-0060-01 |
|---|---|
| Alternative APNs |
|
| Lot Area | 108,900 sqft (2.5 acres) |
|---|
| Account Number | 51180 |
|---|---|
| Street Address | 400 WHITLOCK RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9413 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | 2.50 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | COTTONBURG-VALLEY VIEW |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10801 |
Source: Madison County records, as of December 8, 2025
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 | 424 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| Jan 9, 2023 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000828588 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 400 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000M2439/1 |
|---|---|
| Date | Jan 14, 2026 |
| Book Page | M2439/1 |
| Instrument | 2014311569 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 400 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M2211/362 |
|---|---|
| Date | Jan 9, 2023 |
| Book Page | M2211/362 |
| Instrument | 2014127068 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Dec 23, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 23, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 13% |
Source: Madison County assessment roll, as of April 1, 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 | $235.00 Additional exemption filed | $25,000 | $25,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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