4601 E Hwy 22, Smithfield, KY 40068 Property Records

Oldham County property record for 4601 E Hwy 22, Smithfield, KY 40068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,769 sqft · built 1986
Lot Size	5.9 acres (257,004 sqft)
Owner	Company Name on Record
Last Sale	$255,000 (Feb 2015)
Tax Bill	$2,621 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`56-00-00-6B`

Property Details

APN / Parcel Number

Primary APN	`56-00-00-6B`
Alternative APNs	`52357` `72915`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,769 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	257,004 sqft (5.9 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	72915
Street Address	4601 E HIGHWAY 22
City	SMITHFIELD
State	KY
Zip	40068-9316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 5.9 AC
Legal Lot Number	6B
Jurisdiction	OLDHAM KY
Township / Civil Division	LA GRANGE
Census Block Group	1
Census Block	1019
Census Tract	30402

Owner

Source: Oldham County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	4601 E HIGHWAY 22, SMITHFIELD, KY 40068-9316
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE FARMERS BANK OF MILTON
Apr 28, 2020	Deed of Trust, Mortgage · Line of Credit THE FARMERS BANK OF MILTON
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit THE FARMERS BANK OF MILTON
May 24, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2015 · Amount on Record
Deed Sale	Feb 20, 2015 · Amount on Record
Prior Sale	Feb 20, 2015 · Amount on Record
Deed Document Number	0D1100/584
Deed Book / Page	D1100 / 584
Last Transfer Date	May 24, 2024
Transfer Doc	0D1383/127
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	4601 E HIGHWAY 22, SMITHFIELD, KY 40068-9316
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2299/0415
Date	Mar 27, 2018
Book Page	M2299/0415
Instrument	536994

Lender

Name	THE FARMERS BANK OF MILTON
Type	Bank
Address	CRESTWOOD, KY 40014

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 16, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	4601 E HIGHWAY 22, SMITHFIELD, KY 40068-9316
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2408/592
Date	Apr 28, 2020
Book Page	M2408/592
Instrument	570746

Lender

Name	THE FARMERS BANK OF MILTON
Type	Bank
Address	CRESTWOOD, KY 40014

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 16, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	4601 E HIGHWAY 22, SMITHFIELD, KY 40068-9316
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4601 E HIGHWAY 22, SMITHFIELD, KY 40068-9316

Mortgage

Document Number	0M2598/311
Date	Aug 18, 2022
Book Page	M2598/311
Instrument	702914

Lender

Name	THE FARMERS BANK OF MILTON
Type	Bank
Address	CRESTWOOD, KY 40014

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 3, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OLDHAM KY
Recording Date	May 24, 2024
Property Address	4601 E HIGHWAY 22, SMITHFIELD, KY 40068-9316
Document Number	0D1383/127
Book / Page	D1383 / 127
Instrument Date	May 23, 2024
Instrument	765205
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4601 E HIGHWAY 22, SMITHFIELD, KY 40068-9316

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4601 E HIGHWAY 22, SMITHFIELD, KY 40068-9316

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 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	$2,621.00 (-22.89%)	$209,000 (-22.59%) Land $9,000 Building $200,000	$270,000 (-) Land $70,000 Building $200,000
2023	$3,399.00	$270,000 Land $70,000 Building $200,000	$270,000 Land $70,000 Building $200,000

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 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

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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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