Madison County property record for 527 Gilbert Dr, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,000 sqft |
| Lot Size | 4.21 acres (183,388 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $169,000 (Mar 2017) |
| Tax Bill | $2,772 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Dec 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054A-0001-0012 |
| Primary APN | 054A-0001-0012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,000 sqft Living Area |
| Exterior Material | Stone |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 183,388 sqft (4.21 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 49666 |
|---|---|
| Street Address | 527 GILBERT DR |
| City | RICHMOND |
| State | KY |
| Zip | 40475-3078 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST |
| Legal Subdivision | HILLCREST |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 10201 |
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 | 2 Co-owners on Record |
| Mailing Address | 527 GILBERT DR, RICHMOND, KY 40475-3078 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Dec 27, 2021 | Deed of Trust, Mortgage · Line of Credit UNITED STATES FCU |
| Mar 14, 2017 | Deed, Transfer · ARM TOWN SQUARE BANK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2017 · Amount on Record |
| Deed Sale | Mar 14, 2017 · Amount on Record |
| Deed Document Number | 2013955654 |
| Deed Book / Page | D00742 / 250 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 527 GILBERT DR, RICHMOND, KY 40475-3078 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2218/316 |
|---|---|
| Date | Feb 22, 2023 |
| Book Page | M2218/316 |
| Instrument | 2014132834 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 21, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 527 GILBERT DR, RICHMOND, KY 40475-3078 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2120/555 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | M2120/555 |
| Instrument | 2014069968 |
| Name | UNITED STATES FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 26, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 14, 2017 |
| Property Address | 527 GILBERT DR, RICHMOND, KY 40475-3078 |
| Document Number | D00742/250 |
| Book / Page | D00742 / 250 |
| Map Reference | MB2 PG102 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 2013955654 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $169.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 527 GILBERT DR, 527, RICHMOND, KY 40475-3078 |
| Name | Verified Name |
|---|---|
| Address | 527 GILBERT DR, RICHMOND, KY 40475-3078 |
| Document Number | 2013955655 |
|---|---|
| Date | Mar 14, 2017 |
| Instrument | 2013955655 |
| Name | TOWN SQUARE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Apr 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.99% |
| Index | 1-Year CMT |
| Max Rate | 9.99% |
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 | $2,772.00 (+39.44%) Additional exemption filed | $294,000 (+43.41%) | $294,000 (+43.41%) |
| 2023 | $1,988.00 | $205,000 | $205,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% 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.
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 | 0.02% 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 | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| 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 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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