Franklin County property record for 209 Stephen Rd, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 475 sqft · built 2001 |
| Lot Size | 0.216 acres (9,395 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Nov 2018) |
| Tax Bill | $1,687 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-50-01-034.00 |
| Primary APN | 085-50-01-034.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 475 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,395 sqft (0.216 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Garage Area | 475 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 70178 |
|---|---|
| Street Address | 209 STEPHEN RD |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER LAKE 1Q BLK A LOT 30 |
| Legal Subdivision | SILVER LK FM 1-Q |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 30 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 70706 |
209 Stephen Rd is owned and occupied by an individual who bought it in November 2018.
Source: Franklin County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 209 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 |
|---|---|
| Mar 2, 2017 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Sep 2, 2020 | Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 26, 2018 | Deed, Transfer · Conventional Mortgage USAA FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2018 · Amount on File |
| Deed Sale | Nov 26, 2018 · Amount on File |
| Deed Document Number | 2018482171 |
| Deed Book / Page | 582 / 131 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 209 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | M1409/277 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | M1409/277 |
| Instrument | 456647 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 2, 2020 |
| Property Address | 209 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Document Number | D596/110 |
| Book / Page | D596 / 110 |
| Map Reference | CAB E SL 657 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 509582 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 550 ROAD WEST 60, 550, OGALLALA, NE 69153-4540 |
| Name | Verified Name |
|---|---|
| Address | 932 5TH AVE, FRANKFORT, KY 40601-1204 |
| Document Number | 509726 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 509726 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Aug 1, 2030 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Nov 26, 2018 |
| Property Address | 209 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Document Number | D582/131 |
| Book / Page | D582 / 131 |
| Map Reference | CAB F SL591 |
| Instrument Date | Nov 26, 2018 |
| Instrument | 482171 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 508 MARGARET ST, 508, FATE, TX 75189-7725 |
| Name | Verified Name |
|---|---|
| Address | 209 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Document Number | 482172 |
|---|---|
| Date | Nov 26, 2018 |
| Instrument | 482172 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2033 |
The 2025 property tax bill for 209 Stephen Rd was $1,687 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 | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,687.00 | $190,000 Land $30,000 Building $160,000 | $190,000 Land $30,000 Building $160,000 |
| 2023 | $2,270.00 (+0.93%) | $190,000 (-) | $190,000 (-) |
| 2022 | $2,249.00 | $190,000 | $190,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 209 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 209 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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