Madison County property record for 439 Whitlock Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,652 sqft |
| Lot Size | 6.79 acres (295,772 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (May 2019) |
| Tax Bill | $1,508 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0018-0000-0085 |
| Primary APN | 0018-0000-0085 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 295,772 sqft (6.79 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 75538 |
|---|---|
| Street Address | 439 WHITLOCK RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 1, 2 & 3 (6.79 ACRES) |
| Legal Tract | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | COTTONBURG-VALLEY VIEW |
| Census Block Group | 1 |
| Census Block | 1031 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 439 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2020 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Aug 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND |
| May 14, 2019 | Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Jul 3, 2017 | Survivorship Deed, Transfer · FHA Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2019 · Amount on Record |
| Deed Sale | May 14, 2019 · Amount on Record |
| Prior Sale | Jul 3, 2017 · Amount on Record |
| Deed Document Number | 2013992448 |
| Deed Book / Page | D00773 / 412 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 439 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | M01914/467 |
|---|---|
| Date | Jan 29, 2020 |
| Book Page | M01914/467 |
| Instrument | 2014006211 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 113 Months |
| Due | Jun 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 439 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M01967/135 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | M01967/135 |
| Instrument | 2014017818 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 14, 2019 |
| Property Address | 439 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Document Number | D00773/412 |
| Book / Page | D00773 / 412 |
| Map Reference | CAB 22 SL 195 |
| Instrument Date | May 10, 2019 |
| Instrument | 2013992448 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1798 HIGHWAY 3410, 1798, MAYKING, KY 41837-9072 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 439 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Investor | Possibly a Property Investor |
| Document Number | 2013992449 |
|---|---|
| Date | May 14, 2019 |
| Instrument | 2013992449 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Number | M01863/160 |
|---|---|
| Date | May 14, 2019 |
| Book Page | M01863/160 |
| Instrument | 2013992450 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2029 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 12% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 3, 2017 |
| Property Address | 439 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Document Number | D00747/143 |
| Book / Page | D00747 / 143 |
| Map Reference | CAB22 SL195 |
| Instrument Date | Mar 27, 2017 |
| Instrument | 2013961076 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 217 STRATFORD DR, 217, RICHMOND, KY 40475-2245 |
| Name | Verified Name |
|---|---|
| Address | 439 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Document Number | 2013961077 |
|---|---|
| Date | Jul 3, 2017 |
| Instrument | 2013961077 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2047 |
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 | $1,508.00 (-2.84%) Additional exemption filed | $160,000 (-) | $160,000 (-) |
| 2023 | $1,552.00 | $160,000 | $160,000 |
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 66% of the US · above 66% 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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