105 Thomas St, Frankfort, KY 40601 Property Records

Franklin County property record for 105 Thomas St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 896 sqft
Lot Size	0.501 acres (21,824 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,000 (Sep 2025)
Tax Bill	$2,150 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2008 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`103-00-00-005.02`

Property Details

APN / Parcel Number

Primary APN	`103-00-00-005.02`
Alternative APN	`73748`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	896 sqft Living Area

Exterior

Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,824 sqft (0.501 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Detached
Garage Area	896 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	73748
Street Address	105 THOMAS ST
City	FRANKFORT
State	KY
Zip	40601-8869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELKHORN TERRACE LOT 2
Legal Subdivision	ELKHORN TERRACE
Legal Lot Number	2
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1019
Census Tract	70802

Owner

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	105 THOMAS ST, FRANKFORT, KY 40601-8869
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2017	Deed of Trust, Mortgage · ARM REPUBLIC BANK & TRUST CO
Jul 3, 2008	Deed of Trust, Mortgage WELLS FARGO FINANCIAL KENTUCKY INC
Mar 26, 2007	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO
Sep 4, 2025	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 30, 2020	Deed, Transfer · FHA Mortgage PEOPLES EXCHANGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2025 · Amount on Record
Deed Sale	Sep 4, 2025 · Amount on Record
Prior Sale	Dec 30, 2020 · Amount on Record
Deed Document Number	2025883213
Deed Book / Page	640 / 178
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	105 THOMAS ST, FRANKFORT, KY 40601-8869
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1420/078
Date	Jun 9, 2017
Book Page	M1420/078
Instrument	460846

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10%
Index	1-Year LIBOR
Max Rate	10%

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	105 THOMAS ST, FRANKFORT, KY 40601-8869
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1103/472
Date	Jul 3, 2008
Book Page	M1103/472
Instrument	331833

Lender

Name	WELLS FARGO FINANCIAL KENTUCKY INC
Type	Non-Lending Institution
Address	CRESTWOOD, KY 40014

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Jun 13, 2023

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	105 THOMAS ST, FRANKFORT, KY 40601-8869
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1051/273
Date	Mar 26, 2007
Book Page	M1051/273
Instrument	313865

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 13, 2017

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Sep 4, 2025
Property Address	105 THOMAS ST, FRANKFORT, KY 40601-8869
Document Number	00D640/178
Book / Page	D640 / 178
Map Reference	MB 2 PG 12
Instrument Date	Aug 29, 2025
Instrument	883213
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$257.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 COACH STATION RD, MIDWAY, KY 40347-9779

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	105 THOMAS ST, FRANKFORT, KY 40601-8869

Mortgage

Document Number	0000883214
Date	Sep 4, 2025
Instrument	883214

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Dec 30, 2020
Property Address	105 THOMAS ST, FRANKFORT, KY 40601-8869
Document Number	00D599/386
Book / Page	D599 / 386
Map Reference	MB 2 PG 12
Instrument Date	Dec 28, 2020
Instrument	515231
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 THOMAS ST, FRANKFORT, KY 40601-8869

Mortgage

Document Number	0000515232
Date	Dec 30, 2020
Instrument	515232

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of March 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,150.00 (+0.23%)	$179,500 (-) Land $18,000 Building $161,500	$179,500 (-) Land $18,000 Building $161,500
2023	$2,145.00	$179,500	$179,500

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

Flood

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 9 (5% premium discount)
Nearby Flood Policies	2 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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELKHORN WATER DISTRICT serves 1,590 people · EPA ID KY0370137
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 144 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

105 Thomas St, Frankfort, KY 40601 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2008: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2007: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2025: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Thomas St

Nearby Streets

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