Franklin County property record for 116 Thomas St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 576 sqft · built 1994 |
| Lot Size | 0.508 acres (22,128 sqft) |
| Owner | Company Name on File |
| Last Sale | $260,000 (Jun 2022) |
| Tax Bill | $3,114 (2025) |
| Deeds & Mortgages | Dec 2008 Mortgage Jun 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 103-00-00-005.10 |
| Primary APN | 103-00-00-005.10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 576 sqft Living Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,128 sqft (0.508 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Detached |
| Garage Area | 576 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 | 76675 |
|---|---|
| Street Address | 116 THOMAS ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-8869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELKHORN TERRACE LOT 10 |
| Legal Subdivision | ELKHORN TERRACE |
| Legal Lot Number | 10 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 70802 |
Source: Franklin County records · APN 103-00-00-005.10
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 | Company Name on File |
|---|---|
| Mailing Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 22, 2008 | Deed of Trust, Mortgage · FHA Mortgage EQUIFIRST CORP |
| Jun 13, 2022 | Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Jun 16, 2017 | Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Sep 14, 2016 | Special Warranty Deed, Transfer CENTURY BANK OF KENTUCKY INC |
| Nov 18, 2013 | Commissioner's Deed, Foreclosure |
| Dec 01, 2005 | Deed, Transfer · ARM ACCREDITED HOME LENDERS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 13, 2022 · Amount on Record |
| Deed Sale | Jun 13, 2022 · Amount on Record |
| Prior Sale | Jun 16, 2017 · Amount on Record |
| Deed Document Number | 2022666602 |
| Deed Book / Page | 613 / 174 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1117/805 |
|---|---|
| Date | Dec 22, 2008 |
| Book Page | M1117/805 |
| Instrument | 338296 |
| Name | EQUIFIRST CORP |
|---|---|
| Type | Subprime Lender |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 13, 2022 |
| Property Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 00D613/174 |
| Book / Page | D613 / 174 |
| Map Reference | CAB 1 SL 49 |
| Instrument Date | Jun 09, 2022 |
| Instrument | 666602 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1150 BUNTAIN SCHOOL RD, LAWRENCEBURG, KY 40342-9514 |
| Name | Verified Name |
|---|---|
| Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 0000666604 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 666604 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 16, 2017 |
| Property Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 00D570/151 |
| Book / Page | D570 / 151 |
| Map Reference | MB2 PG12 |
| Instrument Date | Jun 02, 2017 |
| Instrument | 461094 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1001 PUTTER PT, LAWRENCEBURG, KY 40342-9719 |
| Name | Verified Name |
|---|---|
| Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 0000461095 |
|---|---|
| Date | Jun 16, 2017 |
| Instrument | 461095 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 14, 2016 |
| Property Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 00D564/088 |
| Book / Page | D564 / 088 |
| Map Reference | MB2 PG12 |
| Instrument Date | Jul 27, 2016 |
| Instrument | 449887 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7105 CORPORATE DR, PLANO, TX 75024-4100 |
| Name | Verified Name |
|---|---|
| Address | 239 CHESTNUT LN, VERSAILLES, KY 40383-9773 |
| Investor | Possibly a Property Investor |
| Document Number | 0000449888 |
|---|---|
| Date | Sep 14, 2016 |
| Instrument | 449888 |
| Name | CENTURY BANK OF KENTUCKY INC |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 3 Months |
| Due | Dec 01, 2016 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Nov 18, 2013 |
| Property Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 00D543/491 |
| Book / Page | D543 / 491 |
| Map Reference | MB1 PG49 |
| Instrument Date | Sep 16, 2013 |
| Instrument | 409628 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 7105 CORPORATE DR, PLANO, TX 75024-4100 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Dec 01, 2005 |
| Property Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Document Number | 00D487/178 |
| Book / Page | D487 / 178 |
| Map Reference | MB2 PG12 |
| Instrument Date | Oct 21, 2005 |
| Instrument | 292076 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144.00 |
| Amount Accuracy | Tax Sale |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 WESTOVER RD, FRANKFORT, KY 40601-3768 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 116 THOMAS ST, FRANKFORT, KY 40601-8869 |
| Investor | Possibly a Property Investor |
| Document Number | 0000292077 |
|---|---|
| Date | Dec 01, 2005 |
| Instrument | 292077 |
| Name | ACCREDITED HOME LENDERS INC |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.55% |
| Type Change Date | Nov 01, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 9.55% |
| Max Rate At Change | 11% |
| Index | 6-Month LIBOR |
| Max Rate | 16.5% |
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 | $3,114.00 (+0.23%) | $260,000 (-) Land $25,000 Building $235,000 | $260,000 (-) Land $25,000 Building $235,000 |
| 2023 | $3,107.00 | $260,000 | $260,000 |
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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