2131 Steele Branch Rd, Frankfort, KY 40601 Property Records

Franklin County property record for 2131 Steele Branch Rd, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1989
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Mar 2023)
Tax Bill	$4,503 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`057-00-00-008.13`

Property Details

APN / Parcel Number

Primary APN	`057-00-00-008.13`
Alternative APNs	`67545` `77857`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	70,132 sqft (1.61 acres)
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	77857
Street Address	2131 STEELE BRANCH RD
City	FRANKFORT
State	KY
Zip	40601-9469
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOWER POOL LT 10
Legal Subdivision	LOWER POOL
Legal Lot Number	10
Jurisdiction	FRANKLIN KY
Township / Civil Division	PEAKS MILL
Census Block Group	1
Census Block	1019
Census Tract	70801

Owner

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	2 Individual Names on Record
Mailing Address	2131 STEELE BRANCH RD, FRANKFORT, KY 40601-9469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST LIBERTY FINANCIAL GROUP LLC
Jun 5, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 17, 2023	Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2023 · Amount on Record
Deed Sale	Mar 17, 2023 · Amount on Record
Deed Document Number	2023684672
Deed Book / Page	619 / 385
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	2131 STEELE BRANCH RD, FRANKFORT, KY 40601-9469
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1413/115
Date	Apr 11, 2017
Book Page	M1413/115
Instrument	458213

Lender

Name	FIRST LIBERTY FINANCIAL GROUP LLC
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	2131 STEELE BRANCH RD, FRANKFORT, KY 40601-9469
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1491/714
Date	Jun 5, 2019
Book Page	M1491/714
Instrument	489812

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	May 1, 2047

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Mar 17, 2023
Property Address	2131 STEELE BRANCH RD, FRANKFORT, KY 40601-9469
Document Number	00D619/385
Book / Page	D619 / 385
Map Reference	CAB D PG 187
Instrument Date	Mar 15, 2023
Instrument	684672
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS AND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 20057, PENSACOLA, FL 32524-2063

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2131 STEELE BRANCH RD, FRANKFORT, KY 40601-9469

Mortgage

Document Number	0000684675
Date	Mar 17, 2023
Instrument	684675

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2026
Change Frequency	5 Years
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	5-Year CMT
Margin	2
Max Rate	11.7%

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,503.00 (+32.25%)	$425,000 (+49.12%) Land $40,000 Building $385,000	$425,000 (+49.12%) Land $40,000 Building $385,000
2023	$3,405.00	$285,000	$285,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	16 (1997–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 9 claims Severe, Storms, Flooding, Landslides, And Mudslides, Mar 2021 · 2 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PEAKS MILL WATER DISTRICT serves 3,268 people · EPA ID KY0370346
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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