Madison County property record for 321 Memory Ln, Richmond, KY 40475 · Last verified December 2025
| Property Type | Other > Miscellaneous |
|---|---|
| Occupancy | Owner Occupied |
| Last Sale | $246,000 (2021) |
| Tax Bill | $2,319.00 (2025) |
| Primary APN | 0070-0035-0087 |
|---|---|
| Alternative APNs |
|
| Account Number | 68076 |
|---|---|
| Street Address | 321 MEMORY LN |
| City | RICHMOND |
| State | KY |
| Zip | 40475-7539 |
| Property Usage | Other Property Usage |
| Type | Other > Miscellaneous |
| Legal Description | ORCHARD HILLS LOT 87 PH 3 |
| Legal Phase | 3 |
| Legal Lot Number | 87 |
| Jurisdiction | MADISON KY |
| Minor Civil Division | RICHMOND |
| Census Blockgroup | 3 |
| Census Block | 3010 |
| Census Tract | 10901 |
Source: Madison County records · APN 0070-0035-0087
Assessment roll updated April 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 321 MEMORY LN, RICHMOND, KY 40475-7539 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 11, 2024 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Dec 02, 2021 | Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2021 · Amount on Record |
| Deed Sale | Dec 02, 2021 · Amount on Record |
| Deed Doc Number | 2014066530 |
| Deed Book / Page | D815 / 161 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 321 MEMORY LN, RICHMOND, KY 40475-7539 |
| Transaction Type | Mortgage |
| Record Updated | Dec 09, 2025 |
| Name | Verified Name |
|---|---|
| Address | 321 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 0M2346/583 |
|---|---|
| Date | Dec 11, 2024 |
| Book Page | M2346/583 |
| Instrument | 2014236771 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 02, 2021 |
| Property Address | 321 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 00D815/161 |
| Book / Page | D815 / 161 |
| Map Reference | MB 29 PG 65 |
| Instrument Date | Nov 19, 2021 |
| Instrument | 2014066530 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 09, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $246.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1511, RICHMOND, KY 40476-1511 |
| Name | Verified Name |
|---|---|
| Address | 321 MEMORY LN, RICHMOND, KY 40475-7539 |
| Document Number | 2014066531 |
|---|---|
| Date | Dec 02, 2021 |
| Instrument | 2014066531 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,319.00 (-2.81%) Additional exemption filed | $246,000 (-) | $246,000 (-) |
| 2023 | $2,386.00 (-0.29%) | $246,000 (-) | $246,000 (-) |
| 2022 | $2,393.00 | $246,000 | $246,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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