903 Radcliff Rd, Smithfield, KY 40068 Property Records

Henry County property record for 903 Radcliff Rd, Smithfield, KY 40068

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,046 sqft · built 1993
Lot Size	10 acres (438,649 sqft)
Owner	Individual Name on File
Last Sale	$663,320 (Aug 2025)
Tax Bill	$5,556 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`59-00-00-2G`

Property Details

APN / Parcel Number

Primary APN	`59-00-00-2G`
Alternative APN	`65048`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,046 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	438,649 sqft (10 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	65048
Street Address	903 RADCLIFF RD
City	SMITHFIELD
State	KY
Zip	40068-7820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, POLE BARN & 10.070 AC
Legal Lot Number	2G
Jurisdiction	OLDHAM KY
Township / Civil Division	EMINENCE
Census Block Group	1
Census Block	1050
Census Tract	30402

Owner

Source: Henry 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
Co-owner	Co-owner on File
Mailing Address	1206 SUMMIT PARKS DR, LA GRANGE, KY 40031-8246
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2025	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Sep 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage MYCUMORTGAGE LLC
Oct 5, 2020	Deed, Transfer · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2025 · Amount on File
Deed Sale	Aug 18, 2025 · Amount on File
Prior Sale	Oct 5, 2020 · Amount on File
Deed Document Number	821634
Deed Book / Page	D1419 / 33
Last Transfer Date	Aug 21, 2025
Transfer Doc	00D340/428
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY KY
Recording Date	Aug 21, 2025
Property Address	903 RADCLIFF RD, SMITHFIELD, KY 40068-7820
Document Number	00D340/428
Book / Page	D340 / 428
Map Reference	MB 4 PG 53
Instrument Date	Aug 15, 2025
Instrument	1216246
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$663.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4423 GRAND CIR, CRESTWOOD, KY 40014-9798

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1206 SUMMIT PARKS DR, LA GRANGE, KY 40031-8246

Mortgage

Document Number	0001216249
Date	Aug 21, 2025
Instrument	1216249

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	903 RADCLIFF RD, SMITHFIELD, KY 40068-7820
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2277/169
Date	Sep 13, 2017
Book Page	M2277/169
Instrument	530107

Lender

Name	MYCUMORTGAGE LLC
Type	Mortgage Company
Address	DAYTON, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Oct 5, 2020
Property Address	903 RADCLIFF RD, SMITHFIELD, KY 40068-7820
Document Number	D1263/476
Book / Page	D1263 / 476
Map Reference	MB 4 PG 53
Instrument Date	Oct 2, 2020
Instrument	598808
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	390 EMINENCE PIKE, 390, SHELBYVILLE, KY 40065-9607

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	903 RADCLIFF RD, SMITHFIELD, KY 40068-7820

Mortgage

Document Number	598809
Date	Oct 5, 2020
Instrument	598809

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Henry County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,556.00 (-0.79%)	$447,500 (-) Land $85,000 Building $362,500	$447,500 (-) Land $85,000 Building $362,500
2023	$5,600.00	$447,500 Land $85,000 Building $362,500	$447,500 Land $85,000 Building $362,500

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	HENRY COUNTY WATER DISTRICT #2 serves 17,716 people · EPA ID KY0520192
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 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 12 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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