Madison County property record for 585 Whitlock Rd, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,800 sqft |
| Lot Size | 7.45 acres (324,522 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $50,000 (Nov 2017) |
| Tax Bill | $1,802 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0010-0000-0016-C |
| Primary APN | 0010-0000-0016-C |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Basement Area | 1,800 sqft |
| Unfinished Basement | 1,800 sqft |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 324,522 sqft (7.45 acres) |
| Garage Type | Basement |
| Account Number | 55077 |
|---|---|
| Street Address | 585 WHITLOCK RD |
| City | RICHMOND |
| State | KY |
| Zip | 40475-9498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 1 (7.446 ACRES) |
| Legal Tract | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | COTTONBURG-VALLEY VIEW |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 10801 |
Source: Madison County records, as of December 9, 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 | 585 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Nov 7, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 7, 2017 · Amount on Record |
| Deed Sale | Nov 7, 2017 · Amount on Record |
| Deed Document Number | 20172013967498 |
| Deed Book / Page | 00752 / 41 |
| Prior Transfer Date | Oct 13, 2017 |
| Prior Transfer Doc | D00752/041 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 585 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | M02010/284 |
|---|---|
| Date | Jan 5, 2021 |
| Book Page | M02010/284 |
| Instrument | 2014027028 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 7, 2017 |
| Property Address | 585 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Document Number | D00752/041 |
| Book / Page | D00752 / 041 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 2013967498 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 585 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Document Number | 2013967499 |
|---|---|
| Date | Nov 7, 2017 |
| Instrument | 2013967499 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Nov 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Max Rate | 9.37% |
Source: Madison County assessment roll, as of December 9, 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 | $1,802.00 (-2.75%) | $191,100 (-) | $191,100 (-) |
| 2023 | $1,853.00 (-0.32%) | $191,100 (-) | $191,100 (-) |
| 2022 | $1,859.00 | $191,100 | $191,100 |
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 |
|---|---|
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 11 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 |
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