Franklin County property record for 1046 E Main St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · built 1957 |
| Lot Size | 0.346 acres (15,106 sqft) |
| Owner | Company Name on Record |
| Last Sale | $130,000 (Oct 2021) |
| Tax Bill | $1,557 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Mar 2017 Mortgage + 9 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-10-18-010.00 |
| Primary APN | 085-10-18-010.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,106 sqft (0.346 acres) |
| Lot Dimensions | 160 ft deep x 90 ft wide |
| 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 | 71178 |
|---|---|
| Street Address | 1046 E MAIN ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-2562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN HILLS PT LOT 11 |
| Legal Subdivision | INDIAN HILLS |
| Legal Phase | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 70101 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 118 GALAHAD DR, GEORGETOWN, KY 40324-9416 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 18, 2017 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Mar 28, 2017 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Jul 11, 2006 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FRANKLIN FINANCIAL CORP |
| Jul 10, 2009 | Deed of Trust, Mortgage FARMERS BANK & CAPITAL TRUST CO |
| May 8, 2009 | Deed of Trust, Mortgage FARMERS BANK & CAPITAL TRUST CO |
| Apr 9, 2009 | Deed of Trust, Mortgage FARMERS BANK & CAPITAL TRUST CO |
| Apr 9, 2009 | Deed of Trust, Mortgage FARMERS BANK & CAPITAL TRUST CO |
| Sep 28, 2023 | Deed, Transfer |
| Oct 19, 2021 | Deed, Transfer · Commercial Mortgage REPUBLIC BANK & TRUST CO |
| Jul 11, 2006 | Deed, Transfer · ARM FIRST FRANKLIN FINANCIAL CORP |
| Dec 9, 2005 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on Record |
| Deed Sale | Oct 19, 2021 · Amount on Record |
| Prior Sale | Jul 11, 2006 |
| Deed Document Number | 2021536941 |
| Deed Book / Page | 607 / 237 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1404/801 |
|---|---|
| Date | Jan 18, 2017 |
| Book Page | M1404/801 |
| Instrument | 454887 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | FRANKFORT, KY 40602 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 17, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1411/612 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | M1411/612 |
| Instrument | 457632 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | FRANKFORT, KY 40602 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 58 Months |
| Due | Jan 17, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1020/488 |
|---|---|
| Date | Jul 11, 2006 |
| Book Page | M1020/488 |
| Instrument | 301190 |
| Name | FIRST FRANKLIN FINANCIAL CORP |
|---|---|
| Type | Subprime Lender |
| Address | SAN JOSE, CA 95131 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1142/396 |
|---|---|
| Date | Jul 10, 2009 |
| Book Page | M1142/396 |
| Instrument | 346616 |
| Name | FARMERS BANK & CAPITAL TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jul 20, 2014 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1133/843 |
|---|---|
| Date | May 8, 2009 |
| Book Page | M1133/843 |
| Instrument | 343733 |
| Name | FARMERS BANK & CAPITAL TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1130/409 |
|---|---|
| Date | Apr 9, 2009 |
| Book Page | M1130/409 |
| Instrument | 342484 |
| Name | FARMERS BANK & CAPITAL TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Apr 15, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1130/405 |
|---|---|
| Date | Apr 9, 2009 |
| Book Page | M1130/405 |
| Instrument | 342483 |
| Name | FARMERS BANK & CAPITAL TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 3 Months |
| Due | Jul 2, 2009 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 28, 2023 |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Document Number | 00D623/399 |
| Book / Page | D623 / 399 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 697443 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1112 HOPI TRL, FRANKFORT, KY 40601-1714 |
| Name | Verified Name |
|---|---|
| Address | 2 16 W MAM STREET, FRANKFORT, KY 40601 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Oct 19, 2021 |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Document Number | 00D607/237 |
| Book / Page | D607 / 237 |
| Map Reference | DD 122 PG 191 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 536941 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 WOODS WAY, FRANKFORT, KY 40601-7812 |
| Name | Verified Name |
|---|---|
| Address | 118 GALAHAD DR, GEORGETOWN, KY 40324-9416 |
| Document Number | 0000536942 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 536942 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 15, 2031 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jul 11, 2006 |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Document Number | 00D492/346 |
| Book / Page | D492 / 346 |
| Map Reference | DD122 PG191 |
| Instrument | 301188 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 BUENA VISTA DR, FRANKFORT, KY 40601-8770 |
| Name | Verified Name |
|---|---|
| Address | 10416 E MAIN ST, FRANKFORT, KY 40601 |
| Document Number | 0000301189 |
|---|---|
| Date | Jul 11, 2006 |
| Instrument | 301189 |
| Name | FIRST FRANKLIN FINANCIAL CORP |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Jul 1, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 6.75% |
| Max Rate At Change | 9.75% |
| Index | 6-Month LIBOR |
| Max Rate | 12.7% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Dec 9, 2005 |
| Property Address | 1046 E MAIN ST, FRANKFORT, KY 40601-2562 |
| Document Number | 00D487/434 |
| Book / Page | D487 / 434 |
| Instrument Date | Dec 9, 2005 |
| Instrument | 292455 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $112.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 237 PALMER DR, FRANKFORT, KY 40601-8137 |
| Name | Verified Name |
|---|---|
| Address | 110 E MAIN ST, GEORGETOWN, KY 40324-1780 |
| Investor | Possibly a Property Investor |
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 | $1,557.00 (+0.26%) | $130,000 (-) Land $22,000 Building $108,000 | $130,000 (-) Land $22,000 Building $108,000 |
| 2023 | $1,553.00 (+0.91%) | $130,000 (-) | $130,000 (-) |
| 2022 | $1,539.00 | $130,000 | $130,000 |
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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 291 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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