1261 Tiny Branch Rd, Frakes, KY 40940 Property Records

Whitley County property record for 1261 Tiny Branch Rd, Frakes, KY 40940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,912 sqft · built 2003
Lot Size	5.2 acres (226,512 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`221-00-00-027.00`

Property Details

APN / Parcel Number

Primary APN	`221-00-00-027.00`
Alternative APN	`25263`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,912 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	226,512 sqft (5.2 acres)
Terrain	Rolling
Garage Area	812 sqft
Driveway	Gravel Driveway
Parking Spaces	3 Parking Spaces
Deck Area	588 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1261 TINY BRANCH RD
City	FRAKES
State	KY
Zip	40940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1.5 ST FR HS & PT TRT 2 (5 @ FRAKE
Legal Tract	2
Jurisdiction	WHITLEY KY
Township / Civil Division	PEARL
Census Block Group	5
Census Block	5035
Census Tract	920700

Owner

Source: Whitley County records, as of April 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 312, FRAKES, KY 40940-0312
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Apr 2, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage L&N FCU
Jan 29, 2018	Deed of Trust, Mortgage · Line of Credit L&N FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	1261 TINY BRANCH RD, FRAKES, KY 40940
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000M685/81
Date	Dec 21, 2021
Book Page	M685/81
Instrument	276803

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	1261 TINY BRANCH RD, FRAKES, KY 40940
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M653/279
Date	Apr 2, 2020
Book Page	M653/279
Instrument	242014

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2035

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	1261 TINY BRANCH RD, FRAKES, KY 40940
Transaction Type	Mortgage
Record Updated	Mar 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000625/267
Date	Jan 29, 2018
Book Page	625/267
Instrument	228950

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Whitley County assessment roll, as of April 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,372.00 (+5.13%)	$175,000 (-)	$175,000 (-)
2023	$1,305.00	$175,000	$175,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 17, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 85% of Kentucky
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	PINEVILLE WATER SYSTEM serves 16,573 people · EPA ID KY0070353
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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