123 Coldstream Dr, Frankfort, KY 40601 Property Records

Franklin County property record for 123 Coldstream Dr, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba
Lot Size	0.232 acres (10,125 sqft)
Owner	Individual Name on File
Last Sale	$200,500 (Jun 2022)
Tax Bill	$2,402 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2021 Line of Credit + 10 more
Flood Zone	Zone X (minimal risk)
APN	`049-40-04-040.00`

Property Details

APN / Parcel Number

Primary APN	`049-40-04-040.00`
Alternative APNs	`52821` `76703`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,125 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Driveway	Asphalt Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	76703
Street Address	123 COLDSTREAM DR
City	FRANKFORT
State	KY
Zip	40601-4228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTGATE SUB LOT 9
Legal Subdivision	WESTGATE
Legal Lot Number	9
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1000
Census Tract	70403

Owner

123 Coldstream Dr is owned and occupied by an individual who bought it in June 2022.

Source: Franklin County records, as of March 27, 2026

Owner of Record	Individual Name on File
Mailing Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit KENTUCKY EMPLOYEES CU
Mar 3, 2008	Deed of Trust, Mortgage · Line of Credit KENTUCKY EMPLOYEES CU
May 31, 2012	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY EMPLOYEES CU
Aug 17, 2010	Deed of Trust, Mortgage KENTUCKY EMPLOYEE CU
Jun 2, 2010	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Oct 28, 2005	Deed of Trust, Mortgage · Conventional Mortgage BENEFICIAL KENTUCKTY INC
Mar 28, 2005	Deed of Trust, Mortgage BENEFICIAL KENTUCKY INC
Mar 3, 2009	Deed of Trust, Mortgage · Line of Credit KENTUCKY EMPLOYEES CU
Jun 16, 2022	Deed, Transfer · Conventional Mortgage COMMONWEALTH CREDIT UNION
Jun 4, 2007	Special Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC
Dec 21, 2006	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2022 · Amount on File
Deed Sale	Jun 16, 2022 · Amount on File
Prior Sale	Jun 4, 2007 · Amount on File
Deed Document Number	2022666894
Deed Book / Page	613 / 266
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1537/295
Date	May 19, 2020
Book Page	M1537/295
Instrument	505182

Lender

Name	CITIZENS BANK
Type	Bank
Address	MOUNT VERNON, KY 40456

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1588/558
Date	Mar 10, 2021
Book Page	M1588/558
Instrument	519509

Lender

Name	KENTUCKY EMPLOYEES CU
Type	Credit Union
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 30, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1090/399
Date	Mar 3, 2008
Book Page	M1090/399
Instrument	327026

Lender

Name	KENTUCKY EMPLOYEES CU
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 2, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1241/145
Date	May 31, 2012
Book Page	M1241/145
Instrument	386806

Lender

Name	KENTUCKY EMPLOYEES CU
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 30, 2042

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1178/041
Date	Aug 17, 2010
Book Page	M1178/041
Instrument	361490

Lender

Name	KENTUCKY EMPLOYEE CU
Type	Non-Lending Institution
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	117 Months
Due	May 15, 2020

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1171/236
Date	Jun 2, 2010
Book Page	M1171/236
Instrument	358355

Lender

Name	CITIZENS BANK
Type	Bank
Address	MOUNT VERNON, KY 40456

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2040

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M985/829
Date	Oct 28, 2005
Book Page	M985/829
Instrument	290742

Lender

Name	BENEFICIAL KENTUCKTY INC
Type	Non-Lending Institution
Address	LEXINGTON, KY 40511

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 3, 2015

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M954/008
Date	Mar 28, 2005
Book Page	M954/008
Instrument	281139

Lender

Name	BENEFICIAL KENTUCKY INC
Type	Non-Lending Institution
Address	LEXINGTON, KY 40511

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 16, 2015

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1125/817
Date	Mar 3, 2009
Book Page	M1125/817
Instrument	340921

Lender

Name	KENTUCKY EMPLOYEES CU
Type	Non-Lending Institution
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jun 16, 2022
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Document Number	00D613/266
Book / Page	D613 / 266
Map Reference	MB 171 PG 31
Instrument Date	Jun 14, 2022
Instrument	666894
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	603 BOONE AVE, WINCHESTER, KY 40391-2330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228

Mortgage

Document Number	0000666895
Date	Jun 16, 2022
Instrument	666895

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	1.02%

June 2007: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jun 4, 2007
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Document Number	00D499/485
Book / Page	D499 / 485
Map Reference	DB171 PG31
Instrument Date	May 31, 2007
Instrument	316780
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 GOLDSTREAM, FRANKFORT, KY 00000
Investor	Possibly a Property Investor

Mortgage

Document Number	0000316781
Date	Jun 4, 2007
Instrument	316781

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2037

December 2006: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	FRANKLIN KY
Recording Date	Dec 21, 2006
Property Address	123 COLDSTREAM DR, FRANKFORT, KY 40601-4228
Document Number	00D496/135
Book / Page	D496 / 135
Instrument Date	Nov 20, 2006
Instrument	309100
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 123 Coldstream Dr was $2,402.

Source: Franklin County assessment roll, as of March 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,402.00	$200,500 Land $20,000 Building $180,500	$200,500 Land $20,000 Building $180,500
2023	$2,395.00 (+161.18%)	$200,500 (+69.92%)	$200,500 (+69.92%)
2022	$917.00 Homeowner's exemption	$118,000	$118,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 123 Coldstream Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 123 Coldstream Dr is low, with a 0.01% annual chance of wildfire.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20