157 E Main St, Frankfort, KY 40601 Property Records

Franklin County property record for 157 E Main St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba
Owner	2 Individual Names on Record
Last Sale	$143,000 (Jun 2019)
Tax Bill	$403 (2025)
Deeds & Mortgages	Oct 2020 Sale Jun 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`061-42-13-012.00`

Property Details

APN / Parcel Number

Primary APN	`061-42-13-012.00`
Alternative APN	`73416`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Driveway	Asphalt Driveway

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	73416
Street Address	157 E MAIN ST
City	FRANKFORT
State	KY
Zip	40601-2313
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1042
Census Tract	70601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Frankfort Neighborhood Historic District (Boundary Increase) listed 2013 · 175 contributing resources · NRIS 13000557

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Franklin County records, as of March 27, 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	157 E MAIN ST, FRANKFORT, KY 40601-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Deed, Transfer
Jun 3, 2019	Deed, Transfer · Commercial Mortgage CITIZENS COMMERCE BANK
Nov 9, 2018	Deed, Transfer · Commercial Mortgage WHITAKER BANK INC
Dec 31, 2014	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	Nov 9, 2018 · Amount on Record
Deed Document Number	2019489696
Deed Book / Page	585 / 791
Record Updated	Jun 8, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Oct 26, 2020
Property Address	157 E MAIN ST, FRANKFORT, KY 40601-2313
Document Number	00D597/669
Book / Page	D597 / 669
Instrument Date	Oct 19, 2020
Instrument	512033
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount Recorded
Tax	$88.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 ANN ST, FRANKFORT, KY 40601-1902

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	157 EAST MAIN ST, 40501
Investor	Possibly a Property Investor

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jun 3, 2019
Property Address	157 E MAIN ST, FRANKFORT, KY 40601-2313
Document Number	00D585/791
Book / Page	D585 / 791
Instrument Date	May 29, 2019
Instrument	489696
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Tax	$143.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 CAPITAL AVE, FRANKFORT, KY 40601-2839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 ANN ST, FRANKFORT, KY 40601-1902
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1491/396
Date	Jun 3, 2019
Book Page	M1491/396
Instrument	489697

Lender

Name	CITIZENS COMMERCE BANK
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	May 30, 2029

Interest

Rate Type	Adjustable Rate

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Nov 9, 2018
Property Address	157 E MAIN ST, FRANKFORT, KY 40601-2313
Document Number	00D581/756
Book / Page	D581 / 756
Instrument Date	Nov 9, 2018
Instrument	481652
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59.00
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	510 CAPITAL AVE, FRANKFORT, KY 40601-2839
Investor	Possibly a Property Investor

Mortgage

Document Number	0000481653
Date	Nov 9, 2018
Instrument	481653

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 9, 2028

Interest

Rate Type	Adjustable Rate

December 2014: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	FRANKLIN KY
Recording Date	Dec 31, 2014
Property Address	157 E MAIN ST, FRANKFORT, KY 40601-2313
Document Number	00D551/077
Book / Page	D551 / 077
Instrument Date	Dec 29, 2014
Instrument	424684
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1125 DUNCAN RD, FRANKFORT, KY 40601-9225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 535, FRANKFORT, KY 40602-0535

Tax Assessment & Valuation

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	Frankfort Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$403.00 (-3.82%)	$88,500 (-) Land $10,000 Building $78,500	$88,500 (-) Land $10,000 Building $78,500
2023	$419.00 (-0.48%)	$88,500 (-)	$88,500 (-)
2022	$421.00	$88,500	$88,500

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 December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	9 (2010–2025)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 7 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims

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	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 283 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

157 E Main St, Frankfort, KY 40601 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2020: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2019: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2018: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2014: Deed in Lieu of Foreclosure, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number