315 High St, Richmond, KY 40475 Property Records

Madison County property record for 315 High St, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,502 sqft
Lot Size	0.362 acres (15,799 sqft)
Owner	Company Name on File
Last Sale	$3,450,000 (Mar 2026)
Tax Bill	$3,394 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R006-0009-0036`

Property Details

APN / Parcel Number

Primary APN	`R006-0009-0036`
Alternative APNs	`116331` `79410` `45707`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,502 sqft Living Area
1st Floor Area	1,350 sqft
Basement Area	1,350 sqft
Unfinished Basement	1,350 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	15,799 sqft (0.362 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	45707
Street Address	315 HIGH ST
City	RICHMOND
State	KY
Zip	40475-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESC
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	2
Census Block	2012
Census Tract	10602

Owner

315 High St is owned by a company that bought it in March 2026.

Source: Madison County records, as of October 12, 2026

Owner of Record	Company Name on File
Mailing Address	513 FARMINGTON CT, RICHMOND, KY 40475-2272
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANCORP
Mar 16, 2026	Warranty Deed, Transfer · Commercial Mortgage PBT BANCORP
Apr 20, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	Apr 20, 2018 · Amount on File
Deed Document Number	202614327769
Deed Book / Page	880 / 278
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Sep 28, 2026
Property Address	315 HIGH ST, RICHMOND, KY 40475-1343
Document Number	0014378983
Book / Page	2504 / 269
Instrument Date	Sep 28, 2026
Instrument	202614378983
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	FOUNDATION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	513 FARMINGTON CT, RICHMOND, KY 40475-2272

Mortgage

Document Number	0014378983,
Date	Sep 28, 2026
Book Page	2504/269
Instrument	202614378983

Lender

Name	BANCORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Sep 28, 2033

Interest

Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Mar 16, 2026
Property Address	315 HIGH ST, RICHMOND, KY 40475-1343
Document Number	00D880/278
Book / Page	D880 / 278
Instrument Date	Mar 13, 2026
Instrument	2014327769
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	FOUNDATION TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2710 PINE GROVE RD, PARIS, KY 40361-9002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 FARMINGTON CT, RICHMOND, KY 40475-2272

Mortgage

Document Number	0M2451/778
Date	Mar 16, 2026
Book Page	M2451/778
Instrument	2014327774

Lender

Name	PBT BANCORP
Type	Non-Lending Institution
Address	HAZARD, KY 41701

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Mar 13, 2051

Interest

Rate Type	Adjustable Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Apr 20, 2018
Property Address	315 HIGH ST, RICHMOND, KY 40475-1343
Document Number	D00758/312
Book / Page	D00758 / 312
Instrument Date	Apr 17, 2018
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Tax	$132.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1944, RICHMOND, KY 40476-1944

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 W MAIN ST, RICHMOND, KY 40475-1350

Tax Assessment & Valuation

The 2025 property tax bill for 315 High St was $3,394.

Source: Madison County assessment roll, as of December 9, 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	$3,394.00	$360,000	$360,000
2023	$3,492.00 (+88.96%)	$360,000 (+89.47%)	$360,000 (+89.47%)
2022	$1,848.00	$190,000	$190,000

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 High St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 315 High 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 94% of the US · lower than 95% 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.

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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