3602 Ballard Trace Dr, Smithfield, KY 40068 Property Records

Oldham County property record for 3602 Ballard Trace Dr, Smithfield, KY 40068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,793 sqft · built 2005
Lot Size	1.52 acres (66,341 sqft)
Owner	2 Individual Names on File
Last Sale	$632,500 (Jul 2020)
Tax Bill	$7,228 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`56-05-02-31`

Property Details

APN / Parcel Number

Primary APN	`56-05-02-31`
Alternative APN	`64535`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,793 sqft Living Area
Basement Area	1,839 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	66,341 sqft (1.52 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	64535
Street Address	3602 BALLARD TRACE DR
City	SMITHFIELD
State	KY
Zip	40068-9327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, DET GARAGE & 1.523AC
Legal Subdivision	BALLARD WOODS
Legal Block	SEC 2
Legal Lot Number	31
Jurisdiction	OLDHAM KY
Township / Civil Division	LA GRANGE
Census Block Group	1
Census Block	1020
Census Tract	30402

Owner

3602 Ballard Trace Dr is owned and occupied by two individuals who bought it in July 2020.

Source: Oldham County records, as of December 23, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3602 BALLARD TRACE DR, SMITHFIELD, KY 40068-9327
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 30, 2020	Warranty Deed, Transfer · VA Mortgage FIRST SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2020 · Amount on File
Deed Sale	Jul 30, 2020 · Amount on File
Prior Sale	Nov 21, 2007 · Amount on File
Deed Document Number	2020585577
Deed Book / Page	1255 / 331
Prior Transfer Date	Jul 19, 2005
Prior Transfer Doc	00D840/683
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	3602 BALLARD TRACE DR, SMITHFIELD, KY 40068-9327
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2272/863
Date	Aug 11, 2017
Book Page	M2272/863
Instrument	528650

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Jul 30, 2020
Property Address	3602 BALLARD TRACE DR, SMITHFIELD, KY 40068-9327
Document Number	0D1255/331
Book / Page	D1255 / 331
Map Reference	MB 6 PG 64
Instrument Date	Jul 20, 2020
Instrument	585577
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6630 PINEHURST DR, 6630, GRANBURY, TX 76049-2828

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3602 BALLARD TRACE DR, SMITHFIELD, KY 40068-9327

Mortgage

Document Number	0000585578
Date	Jul 30, 2020
Instrument	585578

Lender

Name	FIRST SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3602 Ballard Trace Dr was $7,228 with a homeowner's exemption.

Source: Oldham County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,228.00 Homeowner's exemption	$632,500 Land $65,000 Building $567,500	$632,500 Land $65,000 Building $567,500
2023	$7,320.00 Homeowner's exemption	$632,500 Land $65,000 Building $567,500	$632,500 Land $65,000 Building $567,500

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

Flood

FEMA maps place 3602 Ballard Trace Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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.

Wildfire

Wildfire risk around 3602 Ballard Trace Dr is low, with a 0.01% annual chance of wildfire.

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	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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