121 Thomas St, Frankfort, KY 40601 Property Records

Franklin County property record for 121 Thomas St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	624 sqft
Lot Size	2.4 acres (104,805 sqft)
Owner	Individual Name on File
Last Sale	$196,000 (Nov 2012)
Tax Bill	$2,384 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`103-00-00-005.00`

Property Details

APN / Parcel Number

Primary APN	`103-00-00-005.00`
Alternative APN	`60755`

Interior

Stories	1 Story
Building Area	624 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	104,805 sqft (2.4 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Garage Area	624 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	60755
Street Address	121 THOMAS ST
City	FRANKFORT
State	KY
Zip	40601-8869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELKHORN TERRACE LOT 19
Legal Subdivision	ELKHORN TERRACE
Legal Lot Number	19
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1019
Census Tract	70802

Owner

Source: Franklin County records · APN 103-00-00-005.00

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	121 THOMAS ST, FRANKFORT, KY 40601-8869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 29, 2012 · Amount on Record
Deed Sale	Nov 29, 2012 · Amount on Record
Deed Document Number	2012394471
Deed Book / Page	536 / 721
Prior Transfer Date	May 29, 2012
Prior Transfer Doc	D533/191
Record Updated	Jun 08, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	121 THOMAS ST, FRANKFORT, KY 40601-8869
Transaction Type	Mortgage
Record Updated	Sep 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 464271
Date	Sep 05, 2017
Book Page	M1429/342
Instrument	464271

Lender

Name	US BANK NA
Type	Bank
Address	Cincinnati, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated March 27, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

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	$2,384.00 (+0.25%)	$199,000 (-) Land $21,000 Building $178,000	$199,000 (-) Land $21,000 Building $178,000
2023	$2,378.00	$199,000	$199,000

Flood & Wildfire

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

Flood

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

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.

Internet Providers

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.

Drinking Water

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

Violations Reported to EPA

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.