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324 General Smith Dr, Richmond, KY 40475 Property Records

Madison County property record for 324 General Smith Dr, Richmond, KY 40475

Property Summary

Property TypeSingle Family Home
OwnerCompany Name on Record
Last Sale$165,000 (Aug 2019)
Tax Bill$1,772 (2025)
Deeds & MortgagesAug 2021 Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0071-007C-0079

Property Details

APN / Parcel Number

Primary APN0071-007C-0079
Alternative APNs
  • 116817
  • 79904
  • 46190

Location & Zoning

Account Number46190
Street Address324 GENERAL SMITH DR
CityRICHMOND
StateKY
Zip40475-8886
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBATTLEFIELD PLACE LOT 79
Legal SubdivisionBATTLEFIELD
Legal Lot Number79
JurisdictionMADISON KY
Township / Civil DivisionRICHMOND
Census Block Group2
Census Block2017
Census Tract10901

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing Address324 GENERAL SMITH DR, RICHMOND, KY 40475-8886
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2021Deed of Trust, Mortgage · Conventional Mortgage
PARK COMMUNITY FCU
Aug 6, 2019Warranty Deed, Transfer · ARM
PARK COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 6, 2019 · Amount on Record
Deed SaleAug 6, 2019 · Amount on Record
Prior SaleAug 18, 2006 · Amount on Record
Deed Document Number2013996660
Deed Book / PageD00776 / 767
Record UpdatedJun 8, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address324 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Transaction TypeMortgage
Record UpdatedFeb 17, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00M2087/30
DateAug 31, 2021
Book PageM2087/30
Instrument2014050948
Lender
NamePARK COMMUNITY FCU
TypeCredit Union
AddressLOUISVILLE, KY 40299
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMADISON KY
Recording DateAug 6, 2019
Property Address324 GENERAL SMITH DR, RICHMOND, KY 40475-8886
Document NumberD00776/767
Book / PageD00776 / 767
Map ReferenceMB 17 PG 195
Instrument DateJul 31, 2019
Instrument2013996660
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyPREMIUM TITLE GROUP LLC

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address9171 N WILDERNESS RD, CLIMAX, KY 40456-7097

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address324 GENERAL SMITH DR, RICHMOND, KY 40475-8886

Mortgage

Document Number2013996661
DateAug 6, 2019
Instrument2013996661
Lender
NamePARK COMMUNITY CREDIT UNION
Agreement
TypeARM
AmountAmount Recorded
Term360 Months
DueAug 1, 2049
Interest
Rate TypeAdjustable Rate
Rate3.25%
AdjustableAdjustable Rate Rider
Type Change DateAug 1, 2024
Change Frequency5 Years
Min Rate At Change3.25%
Max Rate At Change5.25%
Index5-Year CMT
Max Rate9.25%

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,772.00 (+10.75%) Additional exemption filed$188,000 (+13.94%)$188,000 (+13.94%)
2023$1,600.00$165,000$165,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims3 (2010–2026)
Claims Outside the SFHA3 of 3
Most Recent ClaimJun 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

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 SystemMADISON CO UTILITIES DISTRICT
serves 25,120 people · EPA ID KY0760224
Water SourcePurchased surface water from RICHMOND UTILITIES
Last State InspectionNov 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Jun 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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.

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