Madison County property record for 304 Memory Ln, Richmond, KY 40475 · Last verified December 2025
| Property Type | Other |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $264,500 (Jun 2022) |
| Tax Bill | $2,494 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Apr 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0070-0035-0069 |
| Primary APN | 0070-0035-0069 |
|---|---|
| Alternative APNs |
|
| Account Number | 39492 |
|---|---|
| Street Address | 304 MEMORY LN |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7539 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | ORCHARD HILLS LOT 69 PH 3 |
| Legal Phase | 3 |
| Legal Lot Number | 69 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 10901 |
Source: Madison County records · APN 0070-0035-0069
Assessment roll updated April 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 05, 2026 | Deed of Trust, Mortgage · FHA Mortgage KIND LENDING LLC |
| Apr 24, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Jan 20, 2023 | Quit Claim Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| Jun 10, 2022 | Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| May 17, 2021 | Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 19, 2020 | Deed, Construction Loan |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 10, 2022 · Amount on Record |
| Deed Sale | Jun 10, 2022 · Amount on Record |
| Prior Sale | Jun 10, 2022 · Amount on Record |
| Deed Document Number | 00D824/449 |
| Deed Book / Page | D824 / 449 |
| Last Transfer Date | Jan 20, 2023 |
| Transfer Doc | 00D834/123 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 0M2443/360 |
|---|---|
| Date | Feb 05, 2026 |
| Book Page | M2443/360 |
| Instrument | 2014316383 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Transaction Type | Mortgage |
| Record Updated | Dec 09, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2229/282 |
|---|---|
| Date | Apr 24, 2023 |
| Book Page | M2229/282 |
| Instrument | 2014141490 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 23, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 20, 2023 |
| Property Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 00D834/123 |
| Book / Page | D834 / 123 |
| Map Reference | MB 29 PG 65 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 2014128874 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2025 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Tax | $132.50 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2700 MAGNOLIA SPRINGS DR, LEXINGTON, KY 40511-1197 |
| Name | Verified Name |
|---|---|
| Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 2014128877 |
|---|---|
| Date | Jan 20, 2023 |
| Instrument | 2014128877 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Dec 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 10, 2022 |
| Property Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 00D824/449 |
| Book / Page | D824 / 449 |
| Map Reference | MB 29 PG 65 |
| Instrument Date | Jun 03, 2022 |
| Instrument | 2014095761 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 329 WHITE CLIFFS LN, FRANKFORT, KY 40601-2081 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 2014095763 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 2014095763 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 17, 2021 |
| Property Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 00D805/218 |
| Book / Page | D805 / 218 |
| Map Reference | MB 29 PG 65 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 2014037010 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 09, 2025 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4347, MIDWAY, KY 40347-4347 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 2014037012 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2014037012 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 19, 2020 |
| Property Address | 304 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | D00789/445 |
| Book / Page | D00789 / 445 |
| Map Reference | MB 29 PG 65 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 2014014322 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 09, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $30.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 702 E IRVINE ST, RICHMOND, KY 40475-1736 |
| Name | Verified Name |
|---|---|
| Address | 920 CHINOE CT, LEXINGTON, KY 40502-6104 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,494.00 (-2.77%) Additional exemption filed | $264,500 (-) | $264,500 (-) |
| 2023 | $2,565.00 (+19.92%) | $264,500 (+20.28%) | $264,500 (+20.28%) |
| 2022 | $2,139.00 | $219,900 | $219,900 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510109013, 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 |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Indirect within ember reach |
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.
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