Madison County property record for 331 N 3rd St, Richmond, KY 40475
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,570 sqft |
| Lot Size | 0.211 acres (9,191 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Jun 2025) |
| Tax Bill | $1,555 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R008-0006-0028 |
| Primary APN | R008-0006-0028 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,570 sqft Living Area |
| 1st Floor Area | 100 sqft |
| Basement Area | 100 sqft |
| Unfinished Basement | 100 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 9,191 sqft (0.211 acres) |
| Account Number | 66616 |
|---|---|
| Street Address | 331 N 3RD ST |
| City | RICHMOND |
| State | KY |
| Zip | 40475-1421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 10400 |
Source: Madison County records · APN R008-0006-0028
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 205 LANGFORD CT, RICHMOND, KY 40475-1347 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 02, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION |
| Mar 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PARK COMMUNITY FCU |
| Mar 27, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARK COMMUNITY FCU |
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARK COMMUNITY FCU |
| May 21, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2025 · Amount on Record |
| Deed Sale | Jun 27, 2025 · Amount on Record |
| Prior Sale | May 21, 2021 · Amount on Record |
| Deed Document Number | 202514269713 |
| Deed Book / Page | 869 / 430 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 02, 2026 |
| Property Address | 331 N 3RD ST, RICHMOND, KY 40475-1421 |
| Document Number | 0014359685 |
| Book / Page | 2481 / 3 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202614359685 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | SPRINGDALE TITLE LLC, SPRINGDALE TITLE |
| Name | Verified Name |
|---|---|
| Address | 331 N 3RD ST, RICHMOND, KY 40475-1421 |
| Document Number | 0014359685, |
|---|---|
| Date | Jul 02, 2026 |
| Book Page | 2481/3 |
| Instrument | 202614359685 |
| Name | COMMONWEALTH CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 331 N 3RD ST, RICHMOND, KY 40475-1421 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01733/583 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | M01733/583 |
| Instrument | 2013956315 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 331 N 3RD ST, RICHMOND, KY 40475-1421 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01733/597 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | M01733/597 |
| Instrument | 2013956316 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 22, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 331 N 3RD ST, RICHMOND, KY 40475-1421 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | TURNKEY TITLE AND ESCROW-1 LLC, TURN KEY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M01967/417 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | M01967/417 |
| Instrument | 2014017968 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 01, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.25% |
| Index | 5-Year CMT |
| Max Rate | 9.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 21, 2021 |
| Property Address | 331 N 3RD ST, RICHMOND, KY 40475-1421 |
| Document Number | D805/620 |
| Book / Page | D805 / 620 |
| Instrument Date | May 20, 2021 |
| Instrument | 2014037846 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $45.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 871, BEREA, KY 40403-0871 |
| Name | Verified Name |
|---|---|
| Address | 331 N 3RD ST, RICHMOND, KY 40475-1421 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Municipality | Richmond City |
| Unified School District | Madison County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,555.00 (-0.38%) | $165,000 (+2.48%) | $165,000 (+2.48%) |
| 2023 | $1,561.00 (-0.32%) | $161,000 (-) | $161,000 (-) |
| 2022 | $1,566.00 | $161,000 | $161,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1989–2013) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2013 · rainfall accumulation |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RICHMOND UTILITIES serves 35,640 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures