Franklin County property record for 204 Stephen Rd, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2001 |
| Lot Size | 0.303 acres (13,205 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,120 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-50-02-047.05 |
| Primary APN | 085-50-02-047.05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,205 sqft (0.303 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 53545 |
|---|---|
| Street Address | 204 STEPHEN RD |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER LAKE 1Q BLK B LOT 2 |
| Legal Subdivision | SILVER LAKE FM 1-Q |
| Legal Phase | 1 |
| Legal Block | B |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 70706 |
204 Stephen Rd is owned and occupied by an individual.
Source: Franklin County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 204 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 13, 2022 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Mar 25, 2019 | Deed of Trust, Mortgage · Commercial Mortgage COMMONWEALTH CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 204 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M1683/311 |
|---|---|
| Date | Oct 13, 2022 |
| Book Page | M1683/311 |
| Instrument | 675733 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40502 |
| 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 | 204 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2019 |
| Name | Verified Name |
|---|
| Document Number | M1484/100 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | M1484/100 |
| Instrument | 486829 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | AGES BROOKSIDE, KY 40801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 204 Stephen Rd was $2,120.
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 | $2,120.00 | $177,000 Land $32,000 Building $145,000 | $177,000 Land $32,000 Building $145,000 |
| 2023 | $2,115.00 (+0.95%) | $177,000 (-) | $177,000 (-) |
| 2022 | $2,095.00 | $177,000 | $177,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 Stephen Rd in Zone X, an area of minimal flood risk.
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 8 (10% premium discount) |
| Nearby Flood Policies | 1 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 risk around 204 Stephen Rd 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 392 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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