Franklin County property record for 20 Holmes St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.098 acres (4,250 sqft) |
| Owner | Company Name on Record |
| Last Sale | $80,000 (Aug 2023) |
| Tax Bill | $958 (2025) |
| Deeds & Mortgages | Apr 2024 Construction Loan Nov 2025 Construction Loan + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 074-14-01-002.00 |
| Primary APN | 074-14-01-002.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum Siding |
|---|---|
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,250 sqft (0.098 acres) |
| Lot Dimensions | 85 ft deep x 50 ft wide |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Asphalt Driveway |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 78612 |
|---|---|
| Street Address | 20 HOLMES ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THORNHILL PT LT 7 |
| Legal Subdivision | THORNHILL |
| Legal Phase | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 71200 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 201 N 2ND ST, BERRY, KY 41003-9332 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 17, 2024 | Deed of Trust, Mortgage · Construction Mortgage TRADITIONAL BANK INC |
| Nov 6, 2025 | Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC |
| Aug 13, 2024 | Deed of Trust, Mortgage · Construction Mortgage TRADITIONAL BANK INC |
| Aug 31, 2023 | Deed, Transfer |
| Dec 21, 2012 | Deed, Transfer CITIZENS COMMERCE NATIONAL BANK |
| Dec 14, 2010 | Deed in Lieu of Foreclosure, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2023 · Amount on Record |
| Deed Sale | Aug 31, 2023 · Amount on Record |
| Prior Sale | Jul 20, 2022 · Amount on Record |
| Deed Document Number | 2023695690 |
| Deed Book / Page | 622 / 761 |
| Prior Transfer Date | Dec 1, 2010 |
| Prior Transfer Doc | 00D524/163 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 20 HOLMES ST, FRANKFORT, KY 40601 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1735/594 |
|---|---|
| Date | Apr 17, 2024 |
| Book Page | M1735/594 |
| Instrument | 767224 |
| Name | TRADITIONAL BANK INC |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40361 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 3, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 20 HOLMES ST, FRANKFORT, KY 40601 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 149 SWIGERT AVE, LEXINGTON, KY 40505-1901 |
| Investor | Possibly a Property Investor |
| Document Number | 00M1796/47 |
|---|---|
| Date | Nov 6, 2025 |
| Book Page | M1796/47 |
| Instrument | 889917 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 20 HOLMES ST, FRANKFORT, KY 40601 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1747/385 |
|---|---|
| Date | Aug 13, 2024 |
| Book Page | M1747/385 |
| Instrument | 849869 |
| Name | TRADITIONAL BANK INC |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40361 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 116 Months |
| Due | Apr 3, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 31, 2023 |
| Property Address | 20 HOLMES ST, FRANKFORT, KY 40601 |
| Document Number | 00D622/761 |
| Book / Page | D622 / 761 |
| Instrument Date | Aug 30, 2023 |
| Instrument | 695690 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $80.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3680 HARP PIKE, FRANKFORT, KY 40601-9585 |
| Name | Verified Name |
|---|---|
| Address | 201 N 2ND ST, BERRY, KY 41003-9332 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Dec 21, 2012 |
| Property Address | 20 HOLMES ST, FRANKFORT, KY 40601 |
| Document Number | 00D537/264 |
| Book / Page | D537 / 264 |
| Map Reference | DD70 PG334 |
| Instrument Date | Dec 19, 2012 |
| Instrument | 395484 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1028, VERSAILLES, KY 40383-5028 |
| Name | Verified Name |
|---|---|
| Address | 926 HOLMES ST, FRANKFORT, KY 40601-1311 |
| Document Number | 0000395485 |
|---|---|
| Date | Dec 21, 2012 |
| Instrument | 395485 |
| Name | CITIZENS COMMERCE NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Dec 19, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Dec 14, 2010 |
| Property Address | 20 HOLMES ST, FRANKFORT, KY 40601 |
| Document Number | 00D524/163 |
| Book / Page | D524 / 163 |
| Instrument Date | Dec 1, 2010 |
| Instrument | 366165 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 940 LOUISVILLE RD, FRANKFORT, KY 40601-3390 |
| Name | Verified Name |
|---|---|
| Address | 534 MARSAILLERS ROAD, VERSAILLES, KY 40383-1603 |
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $958.00 (+168.35%) | $80,000 (+167.56%) Land $9,900 Building $70,100 | $80,000 (+167.56%) Land $9,900 Building $70,100 |
| 2023 | $357.00 (+0.85%) | $29,900 (-) | $29,900 (-) |
| 2022 | $354.00 | $29,900 | $29,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Nearby Flood Claims | 13 (1978–1998) |
| Claims Outside the SFHA | 4 of 13 |
| Most Recent Claim | Mar 1998 · rainfall accumulation |
| 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.
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 217 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 | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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