305 Barnes Mill Rd, Richmond, KY 40475 Property Records

Madison County property record for 305 Barnes Mill Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	3,470 sqft
Owner	2 Individual Names on File
Last Sale	$95,000 (Jun 1977)
Tax Bill	$2,271 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R006-0003-0028`

Property Details

APN / Parcel Number

Primary APN	`R006-0003-0028`
Alternative APNs	`133104` `95913` `63004`

Interior

Stories	2 Stories
Building Area	3,470 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	63004
Street Address	305 BARNES MILL RD
City	RICHMOND
State	KY
Zip	40475-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MASON MANOR LOT 3
Legal Subdivision	MASON MANO
Legal Lot Number	3
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2000
Census Tract	10601

Owner

305 Barnes Mill Rd is owned and occupied by two individuals who bought it in June 1977.

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

Owner of Record	2 Individual Names on File
Mailing Address	3720 MARELI RD, SHELBYVILLE, KY 40065-9738
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
Dec 2, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Feb 17, 2026	Deed, Transfer · Line of Credit PBT BANCORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 1977 · Amount on File
Deed Sale	Jun 16, 1977 · Amount on File
Deed Document Number	0000302140
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	305 BARNES MILL RD, RICHMOND, KY 40475-2207
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	M01903/656
Date	Dec 2, 2019
Book Page	M01903/656
Instrument	2014003105

Lender

Name	PNC BANK NA
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	305 BARNES MILL RD, RICHMOND, KY 40475-2207
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	M01887/100
Date	Sep 13, 2019
Book Page	M01887/100
Instrument	2013998636

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 17, 2026
Property Address	305 BARNES MILL RD, RICHMOND, KY 40475-2207
Document Number	00D879/309
Book / Page	D879 / 309
Map Reference	MB 2 PG 20
Instrument Date	Feb 13, 2026
Instrument	2014319077
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3720 MARELI RD, SHELBYVILLE, KY 40065-9738

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	121 BOGIE MILL RD, RICHMOND, KY 40475-9750

Mortgage

Document Number	0M2445/418
Date	Feb 17, 2026
Book Page	M2445/418
Instrument	2014319078

Lender

Name	PBT BANCORP
Type	Non-Lending Institution
Address	IRVINE, KY 40336

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 13, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 305 Barnes Mill Rd was $2,271 with a homeowner's 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	$2,271.00 Homeowner's exemption	$290,000	$290,000
2023	$2,237.00 (-2.78%) Homeowner's exemption	$277,000 (-)	$277,000 (-)
2022	$2,301.00 Homeowner's exemption	$277,000	$277,000

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

Flood

FEMA maps place 305 Barnes Mill Rd in Zone X, an area of minimal flood risk.

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 8 (10% premium discount)
Nearby Flood Policies	6 units insured incl. 5 condo units

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 305 Barnes Mill Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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	RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 312 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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