504 Whitlock Rd, Richmond, KY 40475 Property Records

Madison County property record for 504 Whitlock Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Lot Size	4.53 acres (197,327 sqft)
Owner	Individual Name on Record
Tax Bill	$94 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`0009-0000-0020-AA`

Property Details

APN / Parcel Number

Primary APN	`0009-0000-0020-AA`
Alternative APNs	`110613` `73796` `39812`

Exterior

Lot Area	197,327 sqft (4.53 acres)

Location & Zoning

Account Number	39812
Street Address	504 WHITLOCK RD
City	RICHMOND
State	KY
Zip	40475-9498
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1-CB (4.53 ACRES)
Legal Tract	1
Jurisdiction	MADISON KY
Township / Civil Division	COTTONBURG-VALLEY VIEW
Census Block Group	1
Census Block	1022
Census Tract	10801

Owner

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
Mailing Address	375 BALDWIN RD, RICHMOND, KY 40475-9415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK
Jul 5, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2019
Deed Sale	Jul 5, 2019
Prior Sale	Jul 24, 2006 · Amount on Record
Deed Document Number	2013995058
Deed Book / Page	D00775 / 457
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	504 WHITLOCK RD, RICHMOND, KY 40475-9498
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 BALDWIN RD, RICHMOND, KY 40475-9415

Mortgage

Document Number	0M2289/527
Date	Mar 26, 2024
Book Page	M2289/527
Instrument	2014196091

Lender

Name	CITIZENS BANK
Type	Bank
Address	BEREA, KY 40403

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 21, 2025

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 5, 2019
Property Address	504 WHITLOCK RD, RICHMOND, KY 40475-9498
Document Number	D00775/457
Book / Page	D00775 / 457
Map Reference	MB 23 PG 177
Instrument Date	Jul 2, 2019
Instrument	2013995058
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2030 RED HOUSE RD, 2030, RICHMOND, KY 40475-8905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 BALDWIN RD, RICHMOND, KY 40475-9415

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$94.00 (-3.09%) Additional exemption filed	$10,000 (-)	$10,000 (-)
2023	$97.00	$10,000	$10,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jun 2026 · 6 claims Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Whitlock Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures