Oldham County property record for 3209 E Hwy 22, Smithfield, KY 40068
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,051 sqft · built 1926 |
| Lot Size | 0.994 acres (43,299 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $364,950 (May 2020) |
| Tax Bill | $6,016 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage May 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 56-56A-01-1 |
| Primary APN | 56-56A-01-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,051 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 43,299 sqft (0.994 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Space Heater |
|---|---|
| Heating Fuel | Gas |
| Account Number | 72004 |
|---|---|
| Street Address | 3209 E HIGHWAY 22 |
| City | SMITHFIELD |
| State | KY |
| Zip | 40068-9302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, DET GARAGE & .994 AC |
| Legal Subdivision | BALLARDSVILLE |
| Legal Block | SEC 1 |
| Legal Lot Number | 1 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | LA GRANGE |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 30402 |
Source: Oldham County records, as of December 23, 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 |
|---|---|
| Mailing Address | 3209 LAGRANGE RD, SMITHFIELD, KY 40068-7901 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2023 | Deed, Transfer · VA Mortgage STATEWIDE MORTGAGE LLC |
| May 18, 2021 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| May 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2020 · Amount on Record |
| Deed Sale | May 18, 2020 · Amount on Record |
| Prior Sale | Jun 14, 2019 · Amount on Record |
| Deed Document Number | 2020573803 |
| Deed Book / Page | 1247 / 440 |
| Prior Transfer Date | Mar 13, 2013 |
| Prior Transfer Doc | D1050/472 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Dec 4, 2023 |
| Property Address | 3209 E HIGHWAY 22, SMITHFIELD, KY 40068-9302 |
| Document Number | 0D1371/300 |
| Book / Page | D1371 / 300 |
| Instrument Date | Nov 29, 2023 |
| Instrument | 749483 |
| Transaction Type | Transfer |
| Record Updated | Dec 25, 2023 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $485.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 327 E MAIN ST, GEORGETOWN, KY 40324-1738 |
| Name | Verified Name |
|---|---|
| Address | 3209 E HIGHWAY 22, SMITHFIELD, KY 40068-9302 |
| Document Number | 0000749484 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | 749484 |
| Name | STATEWIDE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3209 E HIGHWAY 22, SMITHFIELD, KY 40068-9302 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | HIGH STREET TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | M2516/545 |
|---|---|
| Date | May 18, 2021 |
| Book Page | M2516/545 |
| Instrument | 636849 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 17, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | May 18, 2020 |
| Property Address | 3209 E HIGHWAY 22, SMITHFIELD, KY 40068-9302 |
| Document Number | D1247/440 |
| Book / Page | D1247 / 440 |
| Instrument Date | May 15, 2020 |
| Instrument | 573803 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4751 FOX RUN RD, 4751, BUCKNER, KY 40010-8852 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3209 E HIGHWAY 22, SMITHFIELD, KY 40068-9302 |
| Document Number | 573808 |
|---|---|
| Date | May 18, 2020 |
| Instrument | 573808 |
| Name | RUOFF MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
Source: Oldham County assessment roll, as of December 23, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,016.00 (+31.44%) | $484,900 (+32.85%) Land $40,000 Building $444,900 | $484,900 (+32.85%) Land $40,000 Building $444,900 |
| 2023 | $4,577.00 (+0.31%) | $365,000 (-) Land $30,000 Building $335,000 | $365,000 (-) Land $30,000 Building $335,000 |
| 2022 | $4,563.00 | $365,000 Land $30,000 Building $335,000 | $365,000 Land $30,000 Building $335,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · 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 |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2015 · rainfall accumulation |
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.
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 | 0.01% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OLDHAM COUNTY WATER DISTRICT serves 38,409 people · EPA ID KY0930333 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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