Franklin County property record for 112 Thomas St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 441 sqft · built 1995 |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Sep 2019) |
| Tax Bill | $2,276 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Dec 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 103-00-00-005.09 |
| Primary APN | 103-00-00-005.09 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 441 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,998 sqft (0.505 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 71435 |
|---|---|
| Street Address | 112 THOMAS ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-8869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELKHORN TERRACE LOT 9 |
| Legal Subdivision | ELKHORN TERRACE |
| Legal Lot Number | 9 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 70802 |
Source: Franklin County records · APN 103-00-00-005.09
Assessment roll updated March 27, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 112 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 05, 2025 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Dec 15, 2022 | Deed of Trust, Mortgage · Commercial Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Sep 03, 2019 | Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 03, 2019 · Amount on Record |
| Deed Sale | Sep 03, 2019 · Amount on Record |
| Prior Sale | Apr 26, 2010 · Amount on Record |
| Deed Document Number | 2019493732 |
| Deed Book / Page | 588 / 219 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 112 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 112 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 0M1789/115 |
|---|---|
| Date | Sep 05, 2025 |
| Book Page | M1789/115 |
| Instrument | 883279 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 112 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 112 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 0M1689/852 |
|---|---|
| Date | Dec 15, 2022 |
| Book Page | M1689/852 |
| Instrument | 679635 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Sep 01, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 03, 2019 |
| Property Address | 112 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | D588/219 |
| Book / Page | D588 / 219 |
| Map Reference | MB 520 PG 20 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 493732 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2339 LEESTOWN RD, 2339, FRANKFORT, KY 40601-8610 |
| Name | Verified Name |
|---|---|
| Address | 112 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 493733 |
|---|---|
| Date | Sep 03, 2019 |
| Instrument | 493733 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2049 |
| Document Number | 0M1501/619 |
|---|---|
| Date | Sep 03, 2019 |
| Book Page | M1501/619 |
| Instrument | 493734 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 01, 2029 |
Source: Franklin County records · Assessment roll updated March 27, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,276.00 (+0.26%) | $190,000 (-) Land $20,000 Building $170,000 | $190,000 (-) Land $20,000 Building $170,000 |
| 2023 | $2,270.00 | $190,000 | $190,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Electric and Water Plant Board of the City of Frankfort Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 144 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELKHORN WATER DISTRICT serves 1,590 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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