1052 E Main St, Frankfort, KY 40601 Property Records

Franklin County property record for 1052 E Main St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1988
Owner	2 Individual Names on Record
Last Sale	$252,000 (Apr 2026)
Tax Bill	$1,317 (2025)
Deeds & Mortgages	Feb 2012 Mortgage Sep 2010 Mortgage + 12 more
Flood Zone	Zone X (minimal risk)
APN	`085-10-21-001.00`

Property Details

APN / Parcel Number

Primary APN	`085-10-21-001.00`
Alternative APN	`72330`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
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

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	72330
Street Address	1052 E MAIN ST
City	FRANKFORT
State	KY
Zip	40601-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN HILLS LOT 13
Legal Subdivision	INDIAN HILLS
Legal Lot Number	13
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	3
Census Block	3002
Census Tract	70101

Owner

Source: Franklin County records, as of August 24, 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	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2012	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Sep 23, 2010	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CU INC
May 27, 2008	Deed of Trust, Mortgage FARMERS BANK & CAPITAL TRUST CO
Sep 2, 2008	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC
Mar 29, 2013	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CU INC
Sep 23, 2010	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC
Sep 10, 2008	Deed of Trust, Mortgage FARMERS BANK & CAPITAL TRUST CO
Apr 22, 2026	Deed, Transfer · FHA Mortgage NEIGHBORS BANK
Apr 22, 2026	Deed, Transfer · FHA Mortgage NEIGHBORS BANK
Mar 9, 2020	Deed, Transfer · VA Mortgage USAA FSB
Mar 12, 2018	Deed, Transfer
Jan 19, 2012	Deed, Transfer
Sep 23, 2010	Intrafamily Transfer, Transfer
Sep 16, 2010	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Deed Document Number	2026906564
Deed Book / Page	645 / 715
Prior Transfer Date	Aug 26, 2010
Prior Transfer Doc	00D522/645
Record Updated	Oct 29, 2026

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	CAPITAL TITLE/TX LLC, CAPITAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1230/0814
Date	Feb 27, 2012
Book Page	M1230/0814
Instrument	382672

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2042

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1182/357
Date	Sep 23, 2010
Book Page	M1182/357
Instrument	362952

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2025

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1099/262
Date	May 27, 2008
Book Page	M1099/262
Instrument	330242

Lender

Name	FARMERS BANK & CAPITAL TRUST CO
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	6 Months
Due	Nov 23, 2008

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1108/737
Date	Sep 2, 2008
Book Page	M1108/737
Instrument	334051

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1275/781
Date	Mar 29, 2013
Book Page	M1275/781
Instrument	399889

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2033

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1182/373
Date	Sep 23, 2010
Book Page	M1182/373
Instrument	362953

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1109/700
Date	Sep 10, 2008
Book Page	M1109/700
Instrument	334438

Lender

Name	FARMERS BANK & CAPITAL TRUST CO
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Sep 9, 2033

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Apr 22, 2026
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Document Number	0000906564
Book / Page	645 / 715
Instrument Date	Apr 21, 2026
Instrument	2026.906564
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$25,452.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500

Mortgage

Document Number	0000906569,
Date	Apr 22, 2026
Instrument	2026.906569

Lender

Name	NEIGHBORS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

Mortgage

Document Number	0000906589,
Date	Apr 22, 2026
Book Page	1815/149
Instrument	2026.906589

Lender

Name	NEIGHBORS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 1, 2036

Interest

Rate	6.11%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Apr 22, 2026
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Document Number	00D645/715
Book / Page	645 / 715
Instrument Date	Apr 21, 2026
Instrument	2026906564
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$25,452.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500

Mortgage

Document Number	0000906569,
Date	Apr 22, 2026
Instrument	2026906569

Lender

Name	NEIGHBORS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000906589,
Date	Apr 22, 2026
Book Page	1815/149
Instrument	2026906589

Lender

Name	NEIGHBORS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Max Rate	-1%

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Mar 9, 2020
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Document Number	00D592/356
Book / Page	D592 / 356
Map Reference	MB 122 PG 191
Instrument Date	Mar 9, 2020
Instrument	502535
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$93.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2605 LUCAS LN, FRANKFORT, KY 40601-8370

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500

Mortgage

Document Number	0000502536
Date	Mar 9, 2020
Instrument	502536

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Mar 12, 2018
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Document Number	00D575/787
Book / Page	D575 / 787
Map Reference	MB190 PG210
Instrument Date	Mar 9, 2018
Instrument	471714
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 BENDER DR, FRANKFORT, KY 40601-3636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 SEQUOYAH TRL, FRANKFORT, KY 40601-1512
Investor	Possibly a Property Investor

January 2012: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jan 19, 2012
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Document Number	00D530/532
Book / Page	D530 / 532
Map Reference	DD210 PG297
Instrument Date	Dec 20, 2011
Instrument	381139
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	223 STONEHEDGE ST, FRANKFORT, KY 40601-4815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 STONEHEDGE ST, FRANKFORT, KY 40601-4815

September 2010: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Sep 23, 2010
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Document Number	00D522/766
Book / Page	D522 / 766
Map Reference	DD122 PG191
Instrument Date	Sep 17, 2010
Instrument	362951
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 W STATE ST, FRANKFORT, KY 40601-3469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500

September 2010: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Sep 16, 2010
Property Address	1052 E MAIN ST, FRANKFORT, KY 40601-2500
Document Number	00D522/645
Book / Page	D522 / 645
Map Reference	DD186 PG128
Instrument Date	Aug 26, 2010
Instrument	362693
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	562 TATATO TRL, FRANKFORT, KY 40601-1635

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,317.00 (+0.23%)	$110,000 (-) Land $20,000 Building $90,000	$110,000 (-) Land $20,000 Building $90,000
2023	$1,314.00 (+0.92%)	$110,000 (-)	$110,000 (-)
2022	$1,302.00	$110,000	$110,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

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.

Drinking Water

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

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 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