304 Pam Dr, Richmond, KY 40475 Property Records

Madison County property record for 304 Pam Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	1,701 sqft · built 2012
Lot Size	0.189 acres (8,276 sqft)
Owner	2 Trust Names on File
Tax Bill	$2,300 (2025)
Deeds & Mortgages	May 2019 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042B-0024-0023`

Property Details

APN / Parcel Number

Primary APN	`042B-0024-0023`
Alternative APNs	`103656` `140935` `71053`

Interior

Stories	1 Story
Building Area	1,701 sqft Living Area

Exterior

Year Built	Built 2012
Exterior Material	Brick Veneer
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	71053
Street Address	304 PAM DR
City	RICHMOND
State	KY
Zip	40475-9813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANEY BROOKE PLACE LOT 23
Legal Subdivision	LANEY BROOKE PLACE
Legal Lot Number	23
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2001
Census Tract	10702

Owner

304 Pam Dr is owner-occupied and held in a trust since October 2022.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	304 PAM DR, RICHMOND, KY 40475-9813
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
May 17, 2019	Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 10, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Transfer Date	Oct 10, 2022
Transfer Doc	00D830/167
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	304 PAM DR, RICHMOND, KY 40475-9813
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01864/183
Date	May 17, 2019
Book Page	M01864/183
Instrument	2013992672

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	304 PAM DR, RICHMOND, KY 40475-9813
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M02002/154
Date	Dec 4, 2020
Book Page	M02002/154
Instrument	2014025363

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2050

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Oct 10, 2022
Property Address	304 PAM DR, RICHMOND, KY 40475-9813
Document Number	00D830/167
Book / Page	D830 / 167
Map Reference	MB 24 PG 203
Instrument Date	Oct 5, 2022
Instrument	2014115134
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 PAM DR, RICHMOND, KY 40475-9813

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	304 PAM DR, RICHMOND, KY 40475-9813

Tax Assessment & Valuation

The 2025 property tax bill for 304 Pam Dr was $2,300 with an additional exemption.

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,300.00 Additional exemption filed	$244,000	$244,000
2023	$2,046.00 (-0.34%)	$211,000 (-)	$211,000 (-)
2022	$2,053.00	$211,000	$211,000

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

Flood

FEMA maps place 304 Pam Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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	1 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2004 · rainfall accumulation

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 Pam 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 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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