Franklin County property record for 109 Cavern Dr, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba |
| Lot Size | 0.198 acres (8,629 sqft) |
| Owner | Individual Name on File |
| Last Sale | $244,500 (Dec 2022) |
| Tax Bill | $1,568 (2025) |
| Deeds & Mortgages | Dec 2005 Mortgage Dec 2022 Sale & Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-40-07-007.00 |
| Primary APN | 049-40-07-007.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Exterior Material | Brick Veneer |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,629 sqft (0.198 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Asphalt Driveway |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 77540 |
|---|---|
| Street Address | 109 CAVERN DR |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CAVELAWN LT 30 |
| Legal Subdivision | CAVELAWN |
| Legal Phase | V |
| Legal Block | C |
| Legal Lot Number | 30 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 70401 |
109 Cavern Dr is owned and occupied by an individual who bought it in December 2022.
Source: Franklin County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 CAVERN DR, FRANKFORT, KY 40601-3322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 27, 2005 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 22, 2022 | Warranty Deed, Transfer · Stand-Alone Second Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Feb 14, 2022 | Deed, Transfer · Line of Credit LIMESTONE BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2022 · Amount on File |
| Deed Sale | Dec 22, 2022 · Amount on File |
| Prior Sale | Feb 14, 2022 · Amount on File |
| Deed Document Number | 2022679888 |
| Deed Book / Page | 617 / 684 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 109 CAVERN DR, FRANKFORT, KY 40601-3322 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M994/284 |
|---|---|
| Date | Dec 27, 2005 |
| Book Page | M994/284 |
| Instrument | 293116 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Dec 22, 2022 |
| Property Address | 109 CAVERN DR, FRANKFORT, KY 40601-3322 |
| Document Number | 00D617/684 |
| Book / Page | D617 / 684 |
| Map Reference | MB 126 PG 67 |
| Instrument Date | Dec 20, 2022 |
| Instrument | 679888 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $244.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1646 H1CKORY R1DGE RD, WADDY, KY 40076 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 109 CAVERN DR, FRANKFORT, KY 40601-3322 |
| Document Number | 0000679889 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 679889 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Feb 14, 2022 |
| Property Address | 109 CAVERN DR, FRANKFORT, KY 40601-3322 |
| Document Number | 00D609/743 |
| Book / Page | D609 / 743 |
| Map Reference | MB 126 PG 67 |
| Instrument Date | Feb 1, 2022 |
| Instrument | 656849 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1025 CHAMPION CT, FRANKFORT, KY 40601-5417 |
| Name | Verified Name |
|---|---|
| Address | 1646 WICKON RIDGE RD, WADDY, KY 40076 |
| Document Number | 0000656850 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 656850 |
| Name | LIMESTONE BANK INC |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 9 Months |
| Due | Nov 1, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 109 Cavern Dr was $1,568 with a homeowner's exemption.
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 | $1,568.00 | $180,000 Land $20,000 Building $160,000 | $180,000 Land $20,000 Building $160,000 |
| 2023 | $2,367.00 (+233.38%) | $244,500 (+307.5%) | $244,500 (+307.5%) |
| 2022 | $710.00 | $60,000 | $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 109 Cavern Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1978.
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 |
| Nearby Flood Claims | 18 (1978–2010) |
| Claims Outside the SFHA | 5 of 18 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Mudslides, 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.
Wildfire risk around 109 Cavern Dr is low, with a 0.01% annual chance of 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.
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 73 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 |
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