104 Thomas St, Frankfort, KY 40601 Property Records

Franklin County property record for 104 Thomas St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 576 sqft · built 1993
Lot Size	0.503 acres (21,911 sqft)
Owner	Individual Name on File
Tax Bill	$1,413 (2025)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`103-00-00-005.07`

Property Details

APN / Parcel Number

Primary APN	`103-00-00-005.07`
Alternative APN	`44636`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	576 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,911 sqft (0.503 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Garage Area	576 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	44636
Street Address	104 THOMAS ST
City	FRANKFORT
State	KY
Zip	40601-8869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELKHORN TERRACE LOT 7
Legal Subdivision	ELKHORN TERRACE
Legal Lot Number	7
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1029
Census Tract	70802

Owner

Source: Franklin County records · APN 103-00-00-005.07

Assessment roll updated March 27, 2026 · Last verified July 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 File
Mailing Address	104 THOMAS ST, FRANKFORT, KY 40601-8869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	104 THOMAS ST, FRANKFORT, KY 40601-8869
Transaction Type	Mortgage
Record Updated	Sep 07, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 463889
Date	Aug 24, 2017
Book Page	M1428/252
Instrument	463889

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	Indianapolis, IN 46250

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2032

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated March 27, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,413.00 (+0.21%)	$118,000 (-) Land $20,000 Building $98,000	$118,000 (-) Land $20,000 Building $98,000
2023	$1,410.00	$118,000	$118,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Electric and Water Plant Board of the City of Frankfort Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 144 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELKHORN WATER DISTRICT serves 1,590 people
Water Source	Purchased surface water from FRANKFORT PLANT BOARD
Last State Inspection	Apr 2024
Lead	2 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.