Madison County property record for 476 Whitlock Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,400 sqft |
| Lot Size | 113 acres (4,944,060 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,100 (Aug 1986) |
| Tax Bill | $475 (2025) |
| Deeds & Mortgages | May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0009-0000-0019 |
| Primary APN | 0009-0000-0019 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,400 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 4,944,060 sqft (113 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 70394 |
|---|---|
| Street Address | 476 WHITLOCK RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 113.50 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | COTTONBURG-VALLEY VIEW |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10801 |
476 Whitlock Rd is owned and occupied by two individuals who bought it in August 1986.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 476 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 1986 · Amount on File |
| Deed Sale | Aug 1, 1986 · Amount on File |
| Deed Document Number | 0000374228 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 476 WHITLOCK RD, RICHMOND, KY 40475-9413 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2019 |
| Title Company | PRECISE TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | M01861/342 |
|---|---|
| Date | May 3, 2019 |
| Book Page | M01861/342 |
| Instrument | 2013991956 |
| Name | 21ST MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | KNOXVILLE, TN 37902 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 276 Months |
| Due | May 15, 2042 |
The 2025 property tax bill for 476 Whitlock Rd was $475 with a homeowner's exemption.
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 | $475.00 Homeowner's exemption | $99,500 | $99,500 |
| 2023 | $515.00 Homeowner's exemption | $99,500 | $99,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 476 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 476 Whitlock Rd is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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