1524 Pepper Rd, Franklin, KY 42134 Property Records

Simpson County property record for 1524 Pepper Rd, Franklin, KY 42134

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,750 sqft · built 1968
Lot Size	113 acres (4,937,526 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Dec 2016)
Tax Bill	$3,343 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-00-00-021.00`

Property Details

APN / Parcel Number

Primary APN	`008-00-00-021.00`
Alternative APN	`7505`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,750 sqft Living Area
Basement Area	1,740 sqft
Unfinished Basement	1,740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,937,526 sqft (113 acres)
Garage Type	Basement
Garage Area	280 sqft
Driveway	Gravel Driveway
Porch	Slab
Porch Area	224 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	1524 PEPPER RD
City	FRANKLIN
State	KY
Zip	42134-7924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1524 PEPPER ROAD
Jurisdiction	SIMPSON KY
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2056
Census Tract	970402

Owner

1524 Pepper Rd is owned by two individuals who bought it in December 2016.

Source: Simpson County records, as of June 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4049 SMITH CIR, GREENBRIER, TN 37073-5757
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 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SERVICES MID-AMERICA
Apr 21, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 8, 2018	Deed of Trust, Mortgage · Construction Mortgage RELIANT BANK
Jul 30, 2019	Deed of Trust, Mortgage · Commercial Mortgage RELIANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2016 · Amount on File
Deed Sale	Dec 22, 2016 · Amount on File
Deed Document Number	20161178574
Deed Book / Page	325 / 74
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Recording Date	May 14, 2026
Property Address	1524 PEPPER RD, FRANKLIN, KY 42134-7924
Document Number	0001263940
Book / Page	587 / 224
Instrument Date	May 7, 2026
Instrument	20261263940
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1524 PEPPER RD, FRANKLIN, KY 42134-7924

Mortgage

Document Number	0001263940,
Date	May 14, 2026
Book Page	587/224
Instrument	20261263940

Lender

Name	FARM CREDIT SERVICES MID-AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Property Address	1524 PEPPER RD, FRANKLIN, KY 42134-7924
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1524 PEPPER RD 42134, 42134, FRANKLIN, KY 42134-7924

Mortgage

Document Number	M493/746
Date	Apr 21, 2021
Book Page	M493/746
Instrument	1202017

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Property Address	1524 PEPPER RD, FRANKLIN, KY 42134-7924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M446/042
Date	Jun 8, 2018
Book Page	M446/042
Instrument	1186742

Lender

Name	RELIANT BANK
Type	Bank
Address	SPRINGFIELD, TN 37172

Agreement

Type	Construction Mortgage
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Property Address	1524 PEPPER RD, FRANKLIN, KY 42134-7924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M460/500
Date	Jul 30, 2019
Book Page	M460/500
Instrument	1192590

Lender

Name	RELIANT BANK
Type	Bank
Address	SPRINGFIELD, TN 37172

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	85 Months
Due	Aug 19, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 1524 Pepper Rd was $3,343.

Source: Simpson County assessment roll, as of February 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,343.00	$381,000	$381,000
2023	$3,547.00	$381,000	$381,000

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

Flood

FEMA maps place 1524 Pepper Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 17, 2011 · 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
Nearby Flood Policies	3 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

The area around 1524 Pepper Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	SIMPSON COUNTY WATER DISTRICT serves 8,946 people · EPA ID KY1070398
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
Lead	Under 1 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, 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)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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