Madison County property record for 313 Memory Ln, Richmond, KY 40475
| Property Type | Other |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $195,000 (Nov 2020) |
| Tax Bill | $2,216 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Dec 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0070-0035-0089 |
| Primary APN | 0070-0035-0089 |
|---|---|
| Alternative APNs |
|
| Account Number | 61661 |
|---|---|
| Street Address | 313 MEMORY LN |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7539 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | ORCHARD HILLS LOT 89 PH 3 |
| Legal Phase | 3 |
| Legal Lot Number | 89 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 10901 |
313 Memory Ln is owned and occupied by an individual who bought it in November 2020.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 313 MEMORY LN, RICHMOND, KY 40475-7539 |
| 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 |
|---|---|
| May 26, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 18, 2025 | Warranty Deed, Transfer · Unknown ARK-LA-TEX FINANCE SERVICES LLC |
| Nov 9, 2020 | Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC |
| Jun 5, 2020 | Deed, Subdivision Related Transfer · Line of Credit PEOPLES BANK & TRUST CO OF MADISON |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2020 · Amount on File |
| Deed Sale | Nov 9, 2020 · Amount on File |
| Prior Sale | Jun 5, 2020 · Amount on File |
| Deed Document Number | 2014023707 |
| Deed Book / Page | D00796 / 624 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 313 MEMORY LN, RICHMOND, KY 40475-7539 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 313 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 0M2162/639 |
|---|---|
| Date | May 26, 2022 |
| Book Page | M2162/639 |
| Instrument | 2014093633 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 341 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 18, 2025 |
| Property Address | 313 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 00D877/274 |
| Book / Page | D877 / 274 |
| Map Reference | MB P29 PG 65 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2014306383 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 141 RUNYON GROVE RD, RICHMOND, KY 40475-9210 |
| Name | Verified Name |
|---|---|
| Address | 313 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 2014306387 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 2014306387 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Unknown |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 9, 2020 |
| Property Address | 313 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | D00796/624 |
| Book / Page | D00796 / 624 |
| Instrument Date | Sep 22, 2020 |
| Instrument | 2014023707 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Name | Verified Name |
|---|---|
| Address | 313 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | M01994/187 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | M01994/187 |
| Instrument | 2014023709 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTSVILLE, AL 35806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 5, 2020 |
| Property Address | 313 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | D00788/648 |
| Book / Page | D00788 / 648 |
| Map Reference | MB P29 PG 65 |
| Instrument Date | Jun 3, 2020 |
| Instrument | 2014013319 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 324 OLD GARRARD ROAD, RICHMOND, KY 40475 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Document Number | 2014013320 |
|---|---|
| Date | Jun 5, 2020 |
| Instrument | 2014013320 |
| Name | PEOPLES BANK & TRUST CO OF MADISON |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 313 Memory Ln was $2,216 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,216.00 Additional exemption filed | $235,000 | $235,000 |
| 2023 | $1,891.00 (-0.32%) | $195,000 (-) | $195,000 (-) |
| 2022 | $1,897.00 | $195,000 | $195,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 313 Memory Ln 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 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 risk around 313 Memory Ln is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within 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 | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 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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