Simpson County property record for 1028 Rapids Rd, Franklin, KY 42134
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,646 sqft · built 1999 |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Oct 2016) |
| Tax Bill | $2,544 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-00-00-078.00 |
| Primary APN | 042-00-00-078.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,646 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Garage Type | Carport |
| Carport | Carport |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1028 RAPIDS RD |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-8399 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1028 RAPIDS ROAD |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 970402 |
1028 Rapids Rd is owned and occupied by two individuals who bought it in October 2016.
Source: Simpson County records, as of January 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 1028 RAPIDS RD, FRANKLIN, KY 42134-8399 |
| 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.
| Date | Document |
|---|---|
| Apr 25, 2024 | Deed of Trust, Mortgage · Line of Credit FRANKLIN BANK & TRUST CO |
| Jun 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2016 · Amount on File |
| Deed Sale | Oct 11, 2016 · Amount on File |
| Deed Document Number | 0000323510 |
| Deed Book / Page | 323 / 510 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 1028 RAPIDS RD, FRANKLIN, KY 42134-8399 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1028 RAPIDS RD, FRANKLIN, KY 42134-8399 |
| Document Number | 00M549/164 |
|---|---|
| Date | Apr 25, 2024 |
| Book Page | M549/164 |
| Instrument | 1223496 |
| Name | FRANKLIN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | FRANKLIN, KY 42135 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 4, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 1028 RAPIDS RD, FRANKLIN, KY 42134-8399 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | M498/221 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | M498/221 |
| Instrument | 1203142 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2036 |
The 2025 property tax bill for 1028 Rapids Rd was $2,544.
Source: Simpson County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Simpson County |
| Unified School District | Simpson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,544.00 | $290,000 | $290,000 |
| 2023 | $2,699.00 | $290,000 | $290,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1028 Rapids Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
Source: FEMA National Flood Hazard Layer, effective March 17, 2011 · 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 Policies | 3 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Sep 2022 · river or lake flooding |
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 risk around 1028 Rapids Rd 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 | 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 | SIMPSON COUNTY WATER DISTRICT serves 8,946 people · EPA ID KY1070398 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2022–2024) 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Franklin EPB Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures