304 General Smith Dr, Richmond, KY 40475 Property Records

Madison County property record for 304 General Smith Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$289,000 (Nov 2022)
Tax Bill	$2,725 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0071-007C-0089`

Property Details

APN / Parcel Number

Primary APN	`0071-007C-0089`
Alternative APNs	`138512` `81018` `68509`

Location & Zoning

Account Number	68509
Street Address	304 GENERAL SMITH DR
City	RICHMOND
State	KY
Zip	40475-8886
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BATTLEFIELD PLACE LOT 89
Legal Subdivision	BATTLEFIELD
Legal Lot Number	89
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2017
Census Tract	10901

Owner

304 General Smith Dr is owned and occupied by an individual who bought it in November 2022.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	304 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 23, 2022	Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Dec 5, 2019	Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO
Jan 8, 2019	Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022 · Amount on File
Deed Sale	Nov 23, 2022 · Amount on File
Prior Sale	Dec 5, 2019 · Amount on File
Deed Document Number	2014121077
Deed Book / Page	D832 / 90
Record Updated	Jun 8, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 23, 2022
Property Address	304 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Document Number	000D832/90
Book / Page	D832 / 90
Map Reference	CAB 17 PG 195
Instrument Date	Nov 17, 2022
Instrument	2014121077
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 GENERAL SMITH DR, RICHMOND, KY 40475-8886

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	304 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Investor	Possibly a Property Investor

Mortgage

Document Number	2014121078
Date	Nov 23, 2022
Instrument	2014121078

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 5, 2019
Property Address	304 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Document Number	D00782/038
Book / Page	D00782 / 038
Map Reference	CAB 17 PG 195
Instrument Date	Dec 3, 2019
Instrument	2014003423
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	JETT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 AMARYLLIS DR, RICHMOND, KY 40475-7582

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	304 GENERAL SMITH DR, RICHMOND, KY 40475-8886

Mortgage

Document Number	2014003424
Date	Dec 5, 2019
Instrument	2014003424

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 8, 2019
Property Address	304 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Document Number	D00768/613
Book / Page	D00768 / 613
Map Reference	CAB 17 PG 195
Instrument Date	Jan 4, 2019
Instrument	2013986893
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 443, NANCY, KY 42544-0443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 GENERAL SMITH DR, RICHMOND, KY 40475-8886

Mortgage

Document Number	2013986894
Date	Jan 8, 2019
Instrument	2013986894

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 304 General Smith Dr was $2,725 with an additional exemption.

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	$2,725.00 Additional exemption filed	$289,000	$289,000
2023	$2,803.00	$289,000	$289,000

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

Flood

FEMA maps place 304 General Smith Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.

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	3 in force
Nearby Flood Claims	3 (2010–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 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

Wildfire risk around 304 General Smith 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 67% of the US · above 66% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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