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320 4th St, Richmond, KY 40475 Property Records

Madison County property record for 320 4th St, Richmond, KY 40475

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,547 sqft · built 1925
Lot Size0.159 acres (6,960 sqft)
Owner2 Individual Names on File
Last Sale$165,000 (Dec 2023)
Tax Bill$1,555 (2025)
Deeds & MortgagesDec 2023 Sale & Mortgage
Jul 2022 Mortgage
Flood ZoneZone X (minimal risk)
APNR007-0017-0014

Property Details

APN / Parcel Number

Primary APNR007-0017-0014
Alternative APNs
  • 114846
  • 77956
  • 59613

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,547 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area6,960 sqft (0.159 acres)
Lot Dimensions120 ft deep x 58 ft wide

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number59613
Street Address320 4TH ST
CityRICHMOND
StateKY
Zip40475-1428
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRESIDENTIA
Legal DescriptionASHBY ADDT LOT 3 & 4
Legal SubdivisionASHBY ADD
Legal Lot Number3,4
JurisdictionMADISON KY
Township / Civil DivisionRICHMOND
Census Block Group2
Census Block2005
Census Tract10602

Owner

Source: Madison County records · APN R007-0017-0014

Assessment roll updated December 9, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address320 4TH ST, RICHMOND, KY 40475-1428
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 15, 2023Deed, Transfer · FHA Mortgage
REPUBLIC STATE MORTGAGE CO
Jul 12, 2022Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 15, 2023 · Amount on Record
Deed SaleDec 15, 2023 · Amount on Record
Prior SaleAug 31, 2023 · Amount on Record
Deed Document Number202314182484
Deed Book / Page846 / 688
Record UpdatedSep 20, 2026

December 2023: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateDec 15, 2023
Property Address320 4TH ST, RICHMOND, KY 40475-1428
Document Number00D846/688
Book / PageD846 / 688
Instrument DateDec 14, 2023
Instrument2014182484
Transaction TypeTransfer
Record UpdatedDec 09, 2025
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$165.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address201 N 2ND ST, BERRY, KY 41003-9332

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address320 4TH ST, RICHMOND, KY 40475-1428

Mortgage

Document Number2014182487
DateDec 15, 2023
Instrument2014182487
Lender
NameREPUBLIC STATE MORTGAGE CO
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2054

Mortgage

Document Number0M2274/365
DateDec 15, 2023
Book PageM2274/365
Instrument2014182504
Lender
NameLEXINGTON-FAYETTE URBAN COUNTY GOV
TypeGovernment Agency
AddressFRANKFORT, KY 40601
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueJan 01, 2034

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address320 4TH ST, RICHMOND, KY 40475-1428
Transaction TypeMortgage
Record UpdatedJul 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 4TH ST, RICHMOND, KY 40475-1428

Mortgage

Document Number0M2174/518
DateJul 12, 2022
Book PageM2174/518
Instrument2014100847
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term356 Months
DueMar 01, 2052

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateKentucky
CountyMadison County
MunicipalityRichmond City
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,555.00 (+304.95%)$165,000 (+91.86%)$165,000 (+91.86%)
2023$384.00 (-13.12%) Homeowner's exemption$86,000 (-)$86,000 (-)
2022$442.00 Homeowner's exemption$86,000$86,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madison County (21151C), as of December 21, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Metronet Holdings
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
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 512 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0760370, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemRICHMOND UTILITIES
serves 35,640 people
Water SourceSurface water
Last State InspectionNov 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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