Oldham County property record for 4600 E Hwy 22, Smithfield, KY 40068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,345 sqft · built 1987 |
| Lot Size | 1.54 acres (67,343 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,900 (Feb 2013) |
| Tax Bill | $3,864 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-00-00-9B |
| Primary APN | 60-00-00-9B |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,345 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 67,343 sqft (1.54 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 48496 |
|---|---|
| Street Address | 4600 E HIGHWAY 22 |
| City | SMITHFIELD |
| State | KY |
| Zip | 40068-9316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1.546 AC |
| Legal Lot Number | 9B |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | LA GRANGE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 30402 |
Source: Oldham County records, as of December 22, 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 4600 E HIGHWAY 22, SMITHFIELD, KY 40068-9316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2026 | Deed of Trust, Mortgage · Line of Credit GERMAN AMERICAN BANK |
| Feb 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 5, 2019 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS UNION BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2013 · Amount on File |
| Deed Sale | Feb 4, 2013 · Amount on File |
| Prior Sale | Aug 17, 2012 · Amount on File |
| Deed Document Number | 461788 |
| Deed Book / Page | D1046 / 007 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Aug 19, 2026 |
| Property Address | 4600 E HIGHWAY 22, SMITHFIELD, KY 40068-9316 |
| Document Number | 0000951671 |
| Book / Page | 2757 / 609 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 2026951671 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4600 E HIGHWAY 22, SMITHFIELD, KY 40068-9316 |
| Document Number | 0000951671, |
|---|---|
| Date | Aug 19, 2026 |
| Book Page | 2757/609 |
| Instrument | 2026951671 |
| Name | GERMAN AMERICAN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 20, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4600 E HIGHWAY 22, SMITHFIELD, KY 40068-9316 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2570/680 |
|---|---|
| Date | Feb 8, 2022 |
| Book Page | M2570/680 |
| Instrument | 677071 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4600 E HIGHWAY 22, SMITHFIELD, KY 40068-9316 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2019 |
| Name | Verified Name |
|---|
| Document Number | M2366/0186 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | M2366/0186 |
| Instrument | 556786 |
| Name | CITIZENS UNION BANK |
|---|---|
| Type | Bank |
| Address | LA GRANGE, KY 40031 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Aug 26, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Oldham County assessment roll, as of July 1, 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 | $3,864.00 (+22.63%) | $310,000 (+24%) Land $40,000 Building $270,000 | $310,000 (+24%) Land $40,000 Building $270,000 |
| 2023 | $3,151.00 | $250,000 Land $40,000 Building $210,000 | $250,000 Land $40,000 Building $210,000 |
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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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