Madison County property record for 533 Whitlock Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,560 sqft · built 1976 |
| Lot Size | 83.8 acres (3,653,377 sqft) |
| Owner | Individual Name on File |
| Last Sale | $580,000 (Feb 2024) |
| Tax Bill | $1,894 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0010-0000-0015 |
| Primary APN | 0010-0000-0015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 3,653,377 sqft (83.8 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 58340 |
|---|---|
| Street Address | 533 WHITLOCK RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 83.87 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | COTTONBURG-VALLEY VIEW |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 10801 |
Source: Madison County records · APN 0010-0000-0015
Assessment roll updated April 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 02, 2019 | Deed of Trust, Mortgage · Commercial Mortgage 1ST TRUST BANK INC |
| Aug 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage 1ST TRUST BANK INC |
| Jan 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Feb 16, 2024 | Deed, Transfer |
| May 18, 2022 | Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 16, 2024 · Amount on Record |
| Deed Sale | Feb 16, 2024 · Amount on Record |
| Prior Sale | May 18, 2022 · Amount on Record |
| Deed Document Number | 2014190956 |
| Deed Book / Page | D849 / 6 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | M01855/553 |
|---|---|
| Date | Apr 02, 2019 |
| Book Page | M01855/553 |
| Instrument | 2013990474 |
| Name | 1ST TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Mar 25, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M2081/49 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | M2081/49 |
| Instrument | 2014047635 |
| Name | 1ST TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | HAZARD, KY 41701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Document Number | 0M2353/611 |
|---|---|
| Date | Jan 16, 2025 |
| Book Page | M2353/611 |
| Instrument | 2014242076 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 16, 2024 |
| Property Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Document Number | 0000D849/6 |
| Book / Page | D849 / 6 |
| Map Reference | MB 24 PG 288 |
| Instrument Date | Feb 09, 2024 |
| Instrument | 2014190956 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $580.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 145 LAKESHORE DR, RICHMOND, KY 40475-3613 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 18, 2022 |
| Property Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Document Number | 00D823/408 |
| Book / Page | D823 / 408 |
| Map Reference | CAB 27 SL 329 |
| Instrument Date | May 17, 2022 |
| Instrument | 2014092497 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7000 MILLER POND DR, MCKINNEY, TX 75071 |
| Name | Verified Name |
|---|---|
| Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,894.00 (-21.9%) Homeowner's exemption | $250,000 (-) | $250,000 (-) |
| 2023 | $2,425.00 | $250,000 | $250,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510108011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 2 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures