Franklin County property record for 109 Thomas St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · built 1994 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $172,000 (Aug 2021) |
| Tax Bill | $2,060 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jan 2016 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 103-00-00-005.03 |
| Primary APN | 103-00-00-005.03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,216 sqft (0.51 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 | 75088 |
|---|---|
| Street Address | 109 THOMAS ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-8869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELKHORN TERRACE LOT 3 |
| Legal Subdivision | ELKHORN TERRACE |
| Legal Lot Number | 3 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 70802 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 109 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Jan 15, 2016 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK |
| Aug 11, 2021 | Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Jun 29, 2015 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2021 · Amount on Record |
| Deed Sale | Aug 11, 2021 · Amount on Record |
| Deed Document Number | 2021531349 |
| Deed Book / Page | 605 / 436 |
| Prior Transfer Date | Jun 19, 2015 |
| Prior Transfer Doc | 00D554/495 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 109 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 109 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 0M1676/471 |
|---|---|
| Date | Aug 23, 2022 |
| Book Page | M1676/471 |
| Instrument | 672023 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 109 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0M1366/004 |
|---|---|
| Date | Jan 15, 2016 |
| Book Page | M1366/004 |
| Instrument | 439977 |
| Name | PEOPLES EXCHANGE BANK |
|---|---|
| Type | Bank |
| Address | WINCHESTER, KY 40392 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 11, 2021 |
| Property Address | 109 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 00D605/436 |
| Book / Page | D605 / 436 |
| Map Reference | MB 1 PG 49 |
| Instrument Date | Aug 6, 2021 |
| Instrument | 531349 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1269 CEDAR RD, STAMPING GROUND, KY 40379-9680 |
| Name | Verified Name |
|---|---|
| Address | 109 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 0000531350 |
|---|---|
| Date | Aug 11, 2021 |
| Instrument | 531350 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 29, 2015 |
| Property Address | 109 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 00D554/495 |
| Book / Page | D554 / 495 |
| Map Reference | MB1 PG49 |
| Instrument Date | Jun 19, 2015 |
| Instrument | 431898 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | I07 BAYBROOK CIR, NICHOLASVILLE, KY 40356 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1269 CEDAR RD, STAMPING GROUND, KY 40379-9680 |
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,060.00 (+0.24%) | $172,000 (-) Land $20,000 Building $152,000 | $172,000 (-) Land $20,000 Building $152,000 |
| 2023 | $2,055.00 | $172,000 | $172,000 |
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 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.
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 | 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 |
| 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 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 |
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