Franklin County property record for 104 Coldstream Dr, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · built 1961 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,695 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Feb 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-40-02-016.00 |
| Primary APN | 049-40-02-016.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Split Foyer |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 72704 |
|---|---|
| Street Address | 104 COLDSTREAM DR |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-4229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTGATE LOT 48 |
| Legal Subdivision | WESTGATE |
| Legal Lot Number | 48 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 70403 |
Source: Franklin County records, as of March 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 104 COLDSTREAM DR, FRANKFORT, KY 40601-4229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2020 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Feb 18, 2020 | Deed, Transfer |
| Aug 24, 2018 | Deed, Transfer · ARM COMMONWEALTH CU INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 15, 2020 |
| Property Address | 104 COLDSTREAM DR, FRANKFORT, KY 40601-4229 |
| Document Number | 000D594/99 |
| Book / Page | D594 / 99 |
| Map Reference | MB 171 PG 31 |
| Instrument Date | Jun 4, 2020 |
| Instrument | 506080 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2022 |
| Title Company | FOUNDATION TITLE LLC-LIVINGSTON, FOUNDATION T&E LEXINGTON |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 114 RESERVOIR RD, 114, FRANKFORT, KY 40601-4522 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 104 COLDSTREAM DR, FRANKFORT, KY 40601-4229 |
| Document Number | 0000506081 |
|---|---|
| Date | Jun 15, 2020 |
| Instrument | 506081 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Feb 18, 2020 |
| Property Address | 104 COLDSTREAM DR, FRANKFORT, KY 40601-4229 |
| Document Number | 00D591/808 |
| Book / Page | D591 / 808 |
| Map Reference | MB 171 PG 31 |
| Instrument Date | Feb 17, 2020 |
| Instrument | 501626 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1256 NINEVAH RD, 1256, FRANKFORT, KY 40601-8961 |
| Name | Verified Name |
|---|---|
| Address | 505 LEAWOOD DR, FRANKFORT, KY 40601-4453 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 24, 2018 |
| Property Address | 104 COLDSTREAM DR, FRANKFORT, KY 40601-4229 |
| Document Number | 00D579/653 |
| Book / Page | D579 / 653 |
| Map Reference | DD171 PG31 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 478382 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2022 |
| Title Company | NONE AVAILABLE1 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $118.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3342 PIMLICO PKWY, 3342, LEXINGTON, KY 40517-2841 |
| Name | Verified Name |
|---|---|
| Address | 104 COLDSTREAM DR, FRANKFORT, KY 40601-4229 |
| Document Number | 0000478383 |
|---|---|
| Date | Aug 24, 2018 |
| Instrument | 478383 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 6.37% |
| Index | 1-Year CMT |
| Max Rate | 10.3% |
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 | $2,695.00 (+25.29%) | $225,000 (+25%) Land $20,000 Building $205,000 | $225,000 (+25%) Land $20,000 Building $205,000 |
| 2023 | $2,151.00 (+0.94%) | $180,000 (-) | $180,000 (-) |
| 2022 | $2,131.00 | $180,000 | $180,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 64 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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