515 Spinnaker Dr, Richmond, KY 40475 Property Records

Madison County property record for 515 Spinnaker Dr, Richmond, KY 40475

Property Summary

Property Type	Other
Owner	Company Name on File
Last Sale	$325,000 (Jul 2025)
Tax Bill	$2,168 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0005-0180`

Property Details

APN / Parcel Number

Primary APN	`0068-0005-0180`
Alternative APNs	`113157` `76268` `69343`

Location & Zoning

Account Number	69343
Street Address	513 & 515 SPINNAKER DR
State	KY
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	ASHPARK LOT 180
Legal Lot Number	180
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1020
Census Tract	10301

Owner

515 Spinnaker Dr is owned by a company that bought it in July 2025 and is owner-occupied.

Source: Madison County records, as of December 11, 2025

Owner of Record	Company Name on File
Mailing Address	4801 CHAFFEY LN, LEXINGTON, KY 40515-1166
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC
Feb 13, 2020	Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
Aug 4, 2021	Deed of Trust, Mortgage MONTICELLO BANKING CO
Jul 3, 2025	Deed, Transfer BP RENTAL HOMES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2025 · Amount on File
Deed Sale	Jul 3, 2025 · Amount on File
Deed Document Number	2014270935
Deed Book / Page	D869 / 745
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	513 & 515 SPINNAKER DR, KY
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2039/721
Date	Apr 5, 2021
Book Page	M2039/721
Instrument	2014032860

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	BEREA, KY 40403

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2031

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	513 & 515 SPINNAKER DR, KY
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01918/157
Date	Feb 13, 2020
Book Page	M01918/157
Instrument	2014007254

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	BEREA, KY 40403

Agreement

Term	12 Months
Due	Jan 31, 2021

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	513 & 515 SPINNAKER DR, KY
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2079/173
Date	Aug 4, 2021
Book Page	M2079/173
Instrument	2014046997

Lender

Name	MONTICELLO BANKING CO
Type	Bank
Address	MONTICELLO, KY 42633

Agreement

Amount	Amount on Record
Term	300 Months
Due	Aug 15, 2046

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 3, 2025
Property Address	513 & 515 SPINNAKER DR, KY
Document Number	00D869/745
Book / Page	D869 / 745
Map Reference	CAB 28 SL 374
Instrument Date	Jul 2, 2025
Instrument	2014270935
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	188 HICKORY MEADOWS DR, RICHMOND, KY 40475-8941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 CHAFFEY LN, LEXINGTON, KY 40515-1166

Mortgage

Document Number	2014270936
Date	Jul 3, 2025
Instrument	2014270936

Lender

Name	BP RENTAL HOMES LLC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	10 Months
Due	May 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 515 Spinnaker Dr was $2,168 with an additional exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,168.00 Additional exemption filed	$230,000	$230,000
2023	$2,163.00 (-0.28%)	$223,000 (-)	$223,000 (-)
2022	$2,169.00	$223,000	$223,000

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

Flood

FEMA maps place 515 Spinnaker Dr in Zone X, an area of minimal flood risk.

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 8 (10% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 515 Spinnaker Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Spinnaker Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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