Madison County property record for 306 S 3rd St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 1,715 sqft |
| Lot Size | 0.198 acres (8,631 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Jun 2023) |
| Tax Bill | $1,508 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jun 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R006-0011-0008 |
| Primary APN | R006-0011-0008 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,715 sqft Living Area |
| 1st Floor Area | 1,487 sqft |
| Basement Area | 1,487 sqft |
| Unfinished Basement | 1,487 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 8,631 sqft (0.198 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 70303 |
|---|---|
| Street Address | 306 S 3RD ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-2106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLINS LOT 1 |
| Legal Subdivision | COLLINS |
| Legal Lot Number | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10400 |
306 S 3rd St is owned and occupied by two individuals who bought it in June 2023.
Source: Madison County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| 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.
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Line of Credit BANK |
| Jun 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Dec 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 15, 2021 | Warranty Deed, Transfer |
| Jun 17, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2023 · Amount on File |
| Deed Sale | Jun 7, 2023 · Amount on File |
| Prior Sale | Nov 15, 2021 · Amount on File |
| Deed Document Number | 202314149434 |
| Deed Book / Page | 839 / 300 |
| Prior Transfer Date | Jun 11, 2021 |
| Prior Transfer Doc | 00D807/153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 8, 2026 |
| Property Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| Document Number | 0014374377 |
| Book / Page | 2499 / 199 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 202614374377 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 230 N 2ND ST, RICHMOND, KY 40475-1408 |
| Document Number | 0014374377, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 2499/199 |
| Instrument | 202614374377 |
| Name | BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 8, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 7, 2023 |
| Property Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| Document Number | 00D839/300 |
| Book / Page | D839 / 300 |
| Instrument Date | Jun 5, 2023 |
| Instrument | 2014149434 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2023 |
| Title Company | METRO TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 770 MOORE WOOD DR, PAINT LICK, KY 40461-9717 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| Document Number | 2014149438 |
|---|---|
| Date | Jun 7, 2023 |
| Instrument | 2014149438 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M2121/84 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | M2121/84 |
| Instrument | 2014070045 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 15, 2021 |
| Property Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| Document Number | 00D814/286 |
| Book / Page | D814 / 286 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2014063894 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 106 VICTORY AVE, LEXINGTON, KY 40502-1536 |
| Name | Verified Name |
|---|---|
| Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 17, 2021 |
| Property Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| Document Number | 00D807/153 |
| Book / Page | D807 / 153 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 2014041528 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 306 S 3RD ST, RICHMOND, KY 40475-2106 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 106 VICTORY AVE, LEXINGTON, KY 40502-1536 |
The 2025 property tax bill for 306 S 3rd St was $1,508.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,508.00 | $160,000 | $160,000 |
| 2023 | $1,503.00 (-0.33%) | $155,000 (-) | $155,000 (-) |
| 2022 | $1,508.00 | $155,000 | $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 306 S 3rd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1989.
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 |
| Nearby Flood Claims | 3 (1989–2013) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2013 · 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 risk around 306 S 3rd St is low, with less than 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 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 230 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 | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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