Franklin County property record for 105 Willow St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $52,500 (Jan 2025) |
| Tax Bill | $628 (2025) |
| Deeds & Mortgages | Jul 2008 Line of Credit Jan 2025 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 074-21-04-009.00 |
| Primary APN | 074-21-04-009.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Asphalt Driveway |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 81055 |
|---|---|
| Street Address | 105 WILLOW ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-2251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOGE MONTGOMERY LOT 2 BK B |
| Legal Subdivision | HOGE MONTGOMERY |
| Legal Block | B |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 71200 |
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 WILSON ST, FRANKFORT, KY 40601 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 18, 2008 | Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK |
| Jan 3, 2025 | Deed, Transfer · Conventional Mortgage EXPREE CU |
| Sep 24, 2024 | Deed, Transfer |
| May 7, 2021 | Intrafamily Transfer, Transfer |
| May 4, 2012 | Deed, Transfer |
| Feb 2, 2006 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2025 · Amount on Record |
| Deed Sale | Jan 3, 2025 · Amount on Record |
| Deed Document Number | 2025860136 |
| Deed Book / Page | 633 / 277 |
| Prior Transfer Date | Sep 20, 2024 |
| Prior Transfer Doc | 000D631/30 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 105 WILLOW ST, FRANKFORT, KY 40601-2251 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1104/757 |
|---|---|
| Date | Jul 18, 2008 |
| Book Page | M1104/757 |
| Instrument | 332422 |
| Name | NATIONAL CITY BANK |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jan 3, 2025 |
| Property Address | 105 WILLOW ST, FRANKFORT, KY 40601-2251 |
| Document Number | 00D633/277 |
| Book / Page | D633 / 277 |
| Map Reference | MB 193 PG 190 |
| Instrument Date | Dec 27, 2024 |
| Instrument | 860136 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $52.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 224 PINEWOOD AVE, FRANKFORT, KY 40601-2463 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 105 WILLOW ST, FRANKFORT, KY 40601-2251 |
| Investor | Possibly a Property Investor |
| Document Number | 0000860137 |
|---|---|
| Date | Jan 3, 2025 |
| Instrument | 860137 |
| Name | EXPREE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Dec 30, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.2% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.2% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 11.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 24, 2024 |
| Property Address | 105 WILLOW ST, FRANKFORT, KY 40601-2251 |
| Document Number | 000D631/30 |
| Book / Page | D631 / 30 |
| Instrument Date | Sep 20, 2024 |
| Instrument | 852955 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 876 CHESTNUT DR, FRANKFORT, KY 40601-2457 |
| Name | Verified Name |
|---|---|
| Address | 224 PINEWOOD AVE, FRANKFORT, KY 40601-2463 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | May 7, 2021 |
| Property Address | 105 WILLOW ST, FRANKFORT, KY 40601-2251 |
| Document Number | 00D602/627 |
| Book / Page | D602 / 627 |
| Map Reference | MB 193 PG 190 |
| Instrument Date | Apr 26, 2021 |
| Instrument | 523821 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 876 CHESTNUT DR, FRANKFORT, KY 40601-2457 |
| Name | Verified Name |
|---|---|
| Address | 876 CHESTNUT DR, FRANKFORT, KY 40601-2457 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | May 4, 2012 |
| Property Address | 105 WILLOW ST, FRANKFORT, KY 40601-2251 |
| Document Number | 00D532/675 |
| Book / Page | D532 / 675 |
| Map Reference | DD193 PG190 |
| Instrument Date | Mar 25, 2012 |
| Instrument | 385803 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 168 GLENEAGLES BLVD, RICHMOND, KY 40475-8495 |
| Name | Verified Name |
|---|---|
| Address | 876 CHESTNUT DR, FRANKFORT, KY 40601-2457 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Feb 2, 2006 |
| Property Address | 105 WILLOW ST, FRANKFORT, KY 40601-2251 |
| Document Number | 00D488/539 |
| Book / Page | D488 / 539 |
| Map Reference | DD193 PG190 |
| Instrument Date | Jan 30, 2006 |
| Instrument | 294510 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 106 BUENA VISTA DR, FRANKFORT, KY 40601-8770 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 168 GLENEAGLES BLVD, RICHMOND, KY 40475-8495 |
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 | $628.00 (+9.6%) | $52,500 (+9.38%) Land $8,000 Building $44,500 | $52,500 (+9.38%) Land $8,000 Building $44,500 |
| 2023 | $573.00 (+0.88%) | $48,000 (-) | $48,000 (-) |
| 2022 | $568.00 | $48,000 | $48,000 |
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 reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 10 (1978–1997) |
| Claims Outside the SFHA | 8 of 10 |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, 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 | Direct burnable vegetation |
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 299 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 | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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