312 Moran Summit Rd, Richmond, KY 40475 Property Records

Madison County property record for 312 Moran Summit Rd, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,840 sqft
Lot Size	7.34 acres (319,730 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Feb 2021)
Tax Bill	$3,159 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0046-0000-0007-B`

Property Details

APN / Parcel Number

Primary APN	`0046-0000-0007-B`
Alternative APNs	`115515` `78612` `44862`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,840 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	319,730 sqft (7.34 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	44862
Street Address	312 MORAN SUMMIT RD
City	RICHMOND
State	KY
Zip	40475-9615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT B-3
Legal Tract	B-3
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2007
Census Tract	11402

Owner

Source: Madison County records, as of December 8, 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 Record
Co-owner	Co-owner on Record
Mailing Address	312 MORAN SUMMIT RD, RICHMOND, KY 40475-9615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 3, 2021	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2021 · Amount on Record
Deed Sale	Feb 3, 2021 · Amount on Record
Prior Sale	Jul 1, 2011 · Amount on Record
Deed Document Number	2014028859
Deed Book / Page	D800 / 633
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	312 MORAN SUMMIT RD, RICHMOND, KY 40475-9615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01933/263
Date	Apr 17, 2020
Book Page	M01933/263
Instrument	2014010530

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 3, 2021
Property Address	312 MORAN SUMMIT RD, RICHMOND, KY 40475-9615
Document Number	00D800/633
Book / Page	D800 / 633
Map Reference	MB 18 PG 120
Instrument Date	Jan 6, 2021
Instrument	2014028859
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 FAYE ST, 111, BEREA, KY 40403-2111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 MORAN SUMMIT RD, RICHMOND, KY 40475-9615

Mortgage

Document Number	2014028860
Date	Feb 3, 2021
Instrument	2014028860

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	312 MORAN SUMMIT RD, RICHMOND, KY 40475-9615
Transaction Type	Mortgage
Record Updated	Jun 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01806/210
Date	May 31, 2018
Book Page	M01806/210
Instrument	2013976777

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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	$3,159.00 (-2.77%) Additional exemption filed	$335,000 (-)	$335,000 (-)
2023	$3,249.00	$335,000	$335,000

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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