Franklin County property record for 163 E Main St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba |
| Lot Size | 0.45 acres (19,633 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $309 (2025) |
| Deeds & Mortgages | Aug 2010 Mortgage Aug 2010 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-42-14-007.00 |
| Primary APN | 061-42-14-007.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum Siding |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,633 sqft (0.45 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Asphalt Driveway |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 76424 |
|---|---|
| Street Address | 163 E MAIN ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-2353 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 70601 |
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.
163 E Main St is owned and occupied by an individual.
Source: Franklin County records, as of March 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 163 E MAIN ST, FRANKFORT, KY 40601-2353 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2010 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION INC |
| Aug 11, 2010 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC |
| Sep 18, 2008 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC |
| May 3, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 163 E MAIN ST, FRANKFORT, KY 40601-2353 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1177/454 |
|---|---|
| Date | Aug 11, 2010 |
| Book Page | M1177/454 |
| Instrument | 361265 |
| Name | COMMONWEALTH CREDIT UNION INC |
|---|---|
| Type | Non-Lending Institution |
| Address | FRANKFORT, KY 40602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 163 E MAIN ST, FRANKFORT, KY 40601-2353 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1177/470 |
|---|---|
| Date | Aug 11, 2010 |
| Book Page | M1177/470 |
| Instrument | 361266 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 163 E MAIN ST, FRANKFORT, KY 40601-2353 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1110/352 |
|---|---|
| Date | Sep 18, 2008 |
| Book Page | M1110/352 |
| Instrument | 334737 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | May 3, 2022 |
| Property Address | 163 E MAIN ST, FRANKFORT, KY 40601-2353 |
| Document Number | 000D612/20 |
| Book / Page | D612 / 20 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 663319 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 315 HIGH ST, FRANKFORT, KY 40601-2110 |
| Name | Verified Name |
|---|---|
| Address | 163 E MAIN ST, FRANKFORT, KY 40601-2353 |
The 2025 property tax bill for 163 E Main St was $309 with a homeowner's exemption.
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Frankfort Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $309.00 | $117,000 Land $12,000 Building $105,000 | $117,000 Land $12,000 Building $105,000 |
| 2023 | $334.00 (+51.13%) | $117,000 (+34.48%) | $117,000 (+34.48%) |
| 2022 | $221.00 Homeowner's exemption | $87,000 | $87,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 163 E Main St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2010.
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 |
|---|---|
| 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 |
|
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 risk around 163 E Main St 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.
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 |
| 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.
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 |
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