315 General Smith Dr, Richmond, KY 40475 Property Records

Madison County property record for 315 General Smith Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$2,349,000 (Jul 2017)
Tax Bill	$3,253 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0071-007C-0097`

Property Details

APN / Parcel Number

Primary APN	`0071-007C-0097`
Alternative APNs	`131822` `94660` `61634`

Location & Zoning

Account Number	61634
Street Address	315 GENERAL SMITH DR
City	RICHMOND
State	KY
Zip	40475-8886
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BATTLEFIELD PLACE LOT 97
Legal Subdivision	BATTLEFIELD
Legal Lot Number	97
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2019
Census Tract	10901

Owner

315 General Smith Dr is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	315 GENERAL SMITH DR, RICHMOND, KY 40475-8886
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
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit TRANSCEND CU
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 12, 2017	Warranty Deed, Transfer
Jul 12, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2017 · Amount on File
Deed Sale	Jul 12, 2017 · Amount on File
Prior Sale	Jul 12, 2017 · Amount on File
Deed Document Number	2013961427
Deed Book / Page	D00747 / 393
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	315 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	KENTUCKY TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2425/565
Date	Nov 19, 2025
Book Page	M2425/565
Instrument	2014299838

Lender

Name	TRANSCEND CU
Type	Credit Union
Address	LOUISVILLE, KY 40218

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 18, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	315 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01927/698
Date	Mar 25, 2020
Book Page	M01927/698
Instrument	2014009445

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	315 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M2037/84
Date	Mar 29, 2021
Book Page	M2037/84
Instrument	2014032309

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jul 12, 2017
Property Address	315 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Document Number	D00747/390
Book / Page	D00747 / 390
Map Reference	MB17PG185
Instrument Date	Jul 5, 2017
Instrument	2013961426
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 GENERAL SMITH DR, RICHMOND, KY 40475-8886

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16346 AIRPORT CIR, AURORA, CO 80011-1558
Investor	Possibly a Property Investor

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jul 12, 2017
Property Address	315 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Document Number	D00747/393
Book / Page	D00747 / 393
Map Reference	MB17 PG185
Instrument Date	Jul 3, 2017
Instrument	2013961427
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16346 AIRPORT CIR, AURORA, CO 80011-1558

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 GENERAL SMITH DR, RICHMOND, KY 40475-8886

Tax Assessment & Valuation

The 2025 property tax bill for 315 General Smith Dr was $3,253 with an additional exemption.

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	$3,253.00 Additional exemption filed	$345,000	$345,000
2023	$3,346.00	$345,000	$345,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 315 General Smith Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.

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	3 in force
Nearby Flood Claims	3 (2010–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims

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 315 General Smith 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 67% of the US · above 66% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

Nearby Properties on General Smith Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures