Franklin County property record for 203 Cherry Ln, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba |
| Lot Size | 0.311 acres (13,579 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Apr 2024) |
| Tax Bill | $2,336 (2025) |
| Deeds & Mortgages | May 2005 Mortgage Jun 2005 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 038-20-03-009.00 |
| Primary APN | 038-20-03-009.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Exterior Material | Brick Veneer |
|---|---|
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,579 sqft (0.311 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Asphalt Driveway |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 79655 |
|---|---|
| Street Address | 203 CHERRY LN |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-8129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 101 |
| Legal Subdivision | FARMDALE IV |
| Legal Phase | 1V |
| Legal Lot Number | 101 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 71001 |
203 Cherry Ln is owned and occupied by two individuals who bought it in April 2024.
Source: Franklin County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 203 CHERRY LN, FRANKFORT, KY 40601-8129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 3, 2005 | Deed of Trust, Mortgage · ARM EQUIFIRST CORP |
| Jun 27, 2005 | Deed of Trust, Mortgage · Conventional Mortgage BENEFICIAL LOAN CORP OF KENTUCKY |
| Apr 10, 2024 | Deed, Subdivision Related Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO |
| Jan 8, 2024 | Deed, Construction Loan · Construction Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2024 · Amount on File |
| Deed Sale | Apr 10, 2024 · Amount on File |
| Prior Sale | Sep 1, 2023 · Amount on File |
| Deed Document Number | 2024766560 |
| Deed Book / Page | 627 / 36 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 203 CHERRY LN, FRANKFORT, KY 40601-8129 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M959/271 |
|---|---|
| Date | May 3, 2005 |
| Book Page | M959/271 |
| Instrument | 282664 |
| Name | EQUIFIRST CORP |
|---|---|
| Type | Subprime Lender |
| Address | CHARLOTTE, NC 28273 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.9% |
| Type Change Date | May 1, 2007 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.9% |
| Max Rate At Change | 10.9% |
| Index | 6-Month LIBOR |
| Max Rate | 13.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 203 CHERRY LN, FRANKFORT, KY 40601-8129 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M967/399 |
|---|---|
| Date | Jun 27, 2005 |
| Book Page | M967/399 |
| Instrument | 284994 |
| Name | BENEFICIAL LOAN CORP OF KENTUCKY |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Apr 10, 2024 |
| Property Address | 203 CHERRY LN, FRANKFORT, KY 40601-8129 |
| Document Number | 000D627/36 |
| Book / Page | D627 / 36 |
| Map Reference | MB 2 PG 55&56 |
| Instrument Date | Apr 8, 2024 |
| Instrument | 766560 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1586 CLIFTON RD, LAWRENCEBURG, KY 40342-9036 |
| Name | Verified Name |
|---|---|
| Address | 203 CHERRY LN, FRANKFORT, KY 40601-8129 |
| Document Number | 0000766561 |
|---|---|
| Date | Apr 10, 2024 |
| Instrument | 766561 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jan 8, 2024 |
| Property Address | 203 CHERRY LN, FRANKFORT, KY 40601-8129 |
| Document Number | 00D625/279 |
| Book / Page | D625 / 279 |
| Map Reference | MB 2 PG 55&56 |
| Instrument Date | Dec 28, 2023 |
| Instrument | 759943 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $91.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 565 SCHENKEL LN, FRANKFORT, KY 40601-6408 |
| Name | Verified Name |
|---|---|
| Address | 1586 CLIFTON RD, LAWRENCEBURG, KY 40342-9036 |
| Investor | Possibly a Property Investor |
| Document Number | 0000759944 |
|---|---|
| Date | Jan 8, 2024 |
| Instrument | 759944 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Dec 28, 2024 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 203 Cherry Ln was $2,336.
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,336.00 | $195,000 Land $16,000 Building $179,000 | $195,000 Land $16,000 Building $179,000 |
| 2023 | $641.00 | $100,000 | $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 203 Cherry Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 23 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 2 (2021) |
| Most Recent Claim | Aug 2021 · river or lake flooding |
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 203 Cherry Ln 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | FARMDALE WATER DISTRICT serves 8,203 people · EPA ID KY0370128 |
|---|---|
| Water Source | Purchased surface water from FRANKFORT PLANT BOARD |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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