Franklin County property record for 103 Bender Dr, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · built 1952 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $134,900 (Oct 2020) |
| Tax Bill | $1,616 (2025) |
| Deeds & Mortgages | May 2014 Mortgage Oct 2020 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 074-44-04-025.00 |
| Primary APN | 074-44-04-025.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Other |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Asphalt Driveway |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 73303 |
|---|---|
| Street Address | 103 BENDER DR |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BENDER LOT B |
| Legal Subdivision | BENDER |
| Legal Lot Number | B |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 70602 |
103 Bender Dr is owned and occupied by two individuals who bought it in October 2020.
Source: Franklin County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| 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 |
|---|---|
| May 22, 2014 | Deed of Trust, Mortgage · ARM QUICKEN LOANS INC |
| Oct 2, 2020 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Mar 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Jun 30, 2017 | Deed, Transfer · ARM KENTUCKY EMPLOYEES CU |
| Apr 3, 2017 | Foreclosure KMA TITLE AGENCY LLC, OMEGA TITLE AGENCY LLC |
| Jun 22, 2005 | Deed, Transfer · Line of Credit STOCKTON MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2020 · Amount on File |
| Deed Sale | Oct 2, 2020 · Amount on File |
| Prior Sale | Mar 21, 2018 · Amount on File |
| Deed Document Number | 2020510986 |
| Deed Book / Page | 597 / 59 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0M1313/164 |
|---|---|
| Date | May 22, 2014 |
| Book Page | M1313/164 |
| Instrument | 415980 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jun 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 6.25% |
| Index | 1-Year LIBOR |
| Max Rate | 9.25% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Oct 2, 2020 |
| Property Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Document Number | 000D597/59 |
| Book / Page | D597 / 59 |
| Map Reference | MB 140 PG 40 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 510986 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9947 BOB ROGERS RD, FRANKFORT, KY 40601-9699 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 103 BENDEN DR, FRANKFORT, KY 40601-3635 |
| Document Number | 0000510987 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 510987 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Mar 21, 2018 |
| Property Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Document Number | 00D576/182 |
| Book / Page | D576 / 182 |
| Map Reference | MB140 PG40 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 472099 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | EXETER TITLE COMPANY, EXECUTIVE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Name | Verified Name |
|---|---|
| Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Document Number | 0000472100 |
|---|---|
| Date | Mar 21, 2018 |
| Instrument | 472100 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 30, 2017 |
| Property Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Document Number | 00D570/444 |
| Book / Page | D570 / 444 |
| Map Reference | DD140 PG40 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 461674 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 592 E MAIN ST, FRANKFORT, KY 40601-2332 |
| Investor | Possibly a Property Investor |
| Document Number | 0000461675 |
|---|---|
| Date | Jun 30, 2017 |
| Instrument | 461675 |
| Name | KENTUCKY EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Apr 3, 2017 |
| Property Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Document Number | 00D568/368 |
| Book / Page | D568 / 368 |
| Map Reference | DD140 PG40 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 457846 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 27, 2026 |
| Title Company | KMA TITLE AGENCY LLC, OMEGA TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Name | Verified Name |
|---|---|
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226-3573 |
| Mail Care Of | QUICKEN LOANS INC |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 22, 2005 |
| Property Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Document Number | 00D483/521 |
| Book / Page | D483 / 521 |
| Map Reference | DD140 PG40 |
| Instrument Date | Jun 15, 2005 |
| Instrument | 284797 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $104.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 ADMIRALS LNDG, FRANKFORT, KY 40601 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 103 BENDER DR, FRANKFORT, KY 40601-3635 |
| Document Number | 0000284798 |
|---|---|
| Date | Jun 22, 2005 |
| Instrument | 284798 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2035 |
The 2025 property tax bill for 103 Bender Dr was $1,616.
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,616.00 | $134,900 Land $20,000 Building $114,900 | $134,900 Land $20,000 Building $114,900 |
| 2023 | $1,612.00 (+0.94%) | $134,900 (-) | $134,900 (-) |
| 2022 | $1,597.00 | $134,900 | $134,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Bender Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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 103 Bender 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 | None beyond ember reach |
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 | FRANKFORT PLANT BOARD serves 52,153 people · EPA ID KY0370143 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | 2 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 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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