Franklin County property record for 104 Cavern Dr, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba |
| Lot Size | 0.308 acres (13,455 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Dec 2018) |
| Tax Bill | $1,497 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-40-08-001.00 |
| Primary APN | 049-40-08-001.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Exterior Material | Brick Veneer |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,455 sqft (0.308 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Basement |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 70312 |
|---|---|
| Street Address | 104 CAVERN DR |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CAVELAWN-2 LT 4 |
| Legal Subdivision | CAVELAWN II |
| Legal Phase | V |
| Legal Lot Number | 4 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 70401 |
Source: Franklin County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 104 CAVERN DR, FRANKFORT, KY 40601-3368 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Nov 17, 2025 | Deed of Trust, Mortgage · Non-Conforming Investor Loan CITY NATIONAL BANK OF WEST VIRGINIA |
| Dec 28, 2018 | Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Aug 31, 2017 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2018 · Amount on Record |
| Deed Sale | Dec 28, 2018 · Amount on Record |
| Deed Document Number | 2018483450 |
| Deed Book / Page | 582 / 701 |
| Prior Transfer Date | Aug 31, 2017 |
| Prior Transfer Doc | D571/661 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jul 27, 2026 |
| Property Address | 104 CAVERN DR, FRANKFORT, KY 40601-3368 |
| Document Number | 0000945705 |
| Book / Page | 648 / 22 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 2026945705 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Title Company | LAND TITLE, LAND GROUP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,967.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 104 CAVERN DR, FRANKFORT, KY 40601-3368 |
| Document Number | 0000945706, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 2026945706 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 104 CAVERN DR, FRANKFORT, KY 40601-3368 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M1796/786 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | M1796/786 |
| Instrument | 890886 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|---|
| Type | Bank |
| Address | FRANKFORT, KY 40601 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Sep 2, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Dec 28, 2018 |
| Property Address | 104 CAVERN DR, FRANKFORT, KY 40601-3368 |
| Document Number | D582/701 |
| Book / Page | D582 / 701 |
| Map Reference | DD 139 PG 177 |
| Instrument Date | Dec 21, 2018 |
| Instrument | 483450 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8907 NOTTINGHAM PKWY, 8907, LOUISVILLE, KY 40222-5218 |
| Name | Verified Name |
|---|---|
| Address | 104 CAVERN DR, FRANKFORT, KY 40601-3368 |
| Document Number | 483451 |
|---|---|
| Date | Dec 28, 2018 |
| Instrument | 483451 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 31, 2017 |
| Property Address | 104 CAVERN DR, FRANKFORT, KY 40601-3368 |
| Document Number | D571/661 |
| Book / Page | D571 / 661 |
| Map Reference | DD139 PG177 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 464148 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 316 CAPITAL AVE, 316, FRANKFORT, KY 40601-2835 |
| Name | Verified Name |
|---|---|
| Address | 104 CAVERN DR, FRANKFORT, KY 40601-3368 |
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 | $1,497.00 (+0.27%) | $125,000 (-) Land $20,000 Building $105,000 | $125,000 (-) Land $20,000 Building $105,000 |
| 2023 | $1,493.00 (+0.88%) | $125,000 (-) | $125,000 (-) |
| 2022 | $1,480.00 | $125,000 | $125,000 |
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 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 |
| Nearby Flood Claims | 18 (1978–2010) |
| Claims Outside the SFHA | 5 of 18 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes |
| Claims by Event |
|
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 | 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 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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