Franklin County property record for 120 E Todd St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | built 1878 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $282,500 (Aug 2024) |
| Tax Bill | $1,288 (2025) |
| Deeds & Mortgages | Oct 2006 Mortgage Aug 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-32-03-012.00 |
| Primary APN | 062-32-03-012.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|
| Year Built | Built 1878 |
|---|---|
| Effective Year Built | Effective 1878 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,750 sqft (0.155 acres) |
| Lot Dimensions | 150 ft deep x 45 ft wide |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Gravel Driveway |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 80394 |
|---|---|
| Street Address | 120 E TODD ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | SOUTH FRANKFORT |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 70500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the South Frankfort Neighborhood Historic District listed 1982 · 595 contributing resources · NRIS 82002698 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Franklin County records, as of March 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 120 E TODD ST, FRANKFORT, KY 40601-3504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Oct 6, 2006 | Deed of Trust, Mortgage · ARM HOME 123 CORP |
| Aug 28, 2024 | Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Oct 27, 2023 | Special Warranty Deed, Transfer |
| Sep 18, 2023 | Commissioner's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2024 · Amount on Record |
| Deed Sale | Aug 28, 2024 · Amount on Record |
| Prior Sale | Oct 27, 2023 · Amount on Record |
| Deed Document Number | 2024850868 |
| Deed Book / Page | 630 / 90 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 120 E TODD ST, FRANKFORT, KY 40601-3504 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1031/699 |
|---|---|
| Date | Oct 6, 2006 |
| Book Page | M1031/699 |
| Instrument | 305009 |
| Name | HOME 123 CORP |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92612 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2036 |
| Prepayment Penalty | 00 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Nov 1, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 6.75% |
| Max Rate At Change | 8.75% |
| Index | 6-Month LIBOR |
| Max Rate | 13.7% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 28, 2024 |
| Property Address | 120 E TODD ST, FRANKFORT, KY 40601-3504 |
| Document Number | 000D630/90 |
| Book / Page | D630 / 90 |
| Instrument Date | Aug 20, 2024 |
| Instrument | 850868 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | CLEAR TITLE RECORDINGS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $282.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 158 CAMP CREEK WAY, GEORGETOWN, KY 40324-8026 |
| Name | Verified Name |
|---|---|
| Address | 120 E TODD ST, FRANKFORT, KY 40601-3504 |
| Document Number | 0000850869 |
|---|---|
| Date | Aug 28, 2024 |
| Instrument | 850869 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Oct 27, 2023 |
| Property Address | 120 E TODD ST, FRANKFORT, KY 40601-3504 |
| Document Number | 000D624/52 |
| Book / Page | D624 / 52 |
| Instrument Date | Oct 12, 2023 |
| Instrument | 756143 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $82.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1661 WORTHINGTON RD STE 100, 100, WEST PALM BEACH, FL 33409-6493 |
| Name | Verified Name |
|---|---|
| Address | 104 CAMELOT DR, WINCHESTER, KY 40391-2382 |
| Investor | Possibly a Property Investor |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 18, 2023 |
| Property Address | 120 E TODD ST, FRANKFORT, KY 40601-3504 |
| Document Number | 00D623/186 |
| Book / Page | D623 / 186 |
| Instrument Date | Jul 12, 2023 |
| Instrument | 696771 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Frankfort Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,288.00 (+147.22%) | $282,500 (+156.82%) Land $18,000 Building $264,500 | $282,500 (+156.82%) Land $18,000 Building $264,500 |
| 2023 | $521.00 (+57.88%) | $110,000 (-) | $110,000 (-) |
| 2022 | $330.00 Homeowner's exemption | $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.
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 |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 294 (1978–2025) |
| Claims Outside the SFHA | 23 of 294 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% 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.
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 428 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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