591 Whitlock Rd, Richmond, KY 40475 Property Records

Madison County property record for 591 Whitlock Rd, Richmond, KY 40475

Property Summary

Property Type	Other
Lot Size	10 acres (439,303 sqft)
Owner	Individual Name on Record
Last Sale	$234,900 (Apr 2022)
Tax Bill	$2,144 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0010-0000-0013-A2`

Property Details

APN / Parcel Number

Primary APN	`0010-0000-0013-A2`
Alternative APNs	`138478` `68469`

Exterior

Lot Area	439,303 sqft (10 acres)

Location & Zoning

Account Number	68469
Street Address	591 WHITLOCK RD
City	RICHMOND
State	KY
Zip	40475-9498
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	TRACT 2 (10.085 ACRES)
Legal Tract	2
Jurisdiction	MADISON KY
Township / Civil Division	COTTONBURG-VALLEY VIEW
Census Block Group	1
Census Block	1031
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
Co-owner	Co-owner on Record
Mailing Address	591 WHITLOCK RD, RICHMOND, KY 40475-9498
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2022 · Amount on Record
Deed Sale	Apr 25, 2022 · Amount on Record
Deed Document Number	2014088363
Deed Book / Page	D822 / 181
Record Updated	Jun 8, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 25, 2022
Property Address	591 WHITLOCK RD, RICHMOND, KY 40475-9498
Document Number	00D822/181
Book / Page	D822 / 181
Map Reference	CAB 29 SL 70
Instrument Date	Apr 21, 2022
Instrument	2014088363
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	533 WHITLOCK RD, RICHMOND, KY 40475-9498

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	591 WHITLOCK RD, RICHMOND, KY 40475-9498

Mortgage

Document Number	2014088366
Date	Apr 25, 2022
Instrument	2014088366

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$2,144.00 Additional exemption filed	$227,400	$227,400

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 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	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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Whitlock Rd

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