Franklin County property record for 215 Coldstream Dr, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · built 1968 |
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,000 (Jan 2022) |
| Tax Bill | $2,743 (2025) |
| Deeds & Mortgages | Feb 2017 Line of Credit Apr 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-40-02-049.00 |
| Primary APN | 049-40-02-049.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,750 sqft (0.224 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Asphalt Driveway |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 75911 |
|---|---|
| Street Address | 215 COLDSTREAM DR |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-4230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTGATE LOT 15 |
| Legal Subdivision | WESTGATE |
| Legal Lot Number | 15 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 70403 |
215 Coldstream Dr is owned and occupied by two individuals who bought it in January 2022.
Source: Franklin County records, as of March 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| 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 |
|---|---|
| Feb 6, 2017 | Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE FCU |
| Apr 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 19, 2015 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| May 31, 2016 | Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE CREDIT UNION |
| Jan 26, 2022 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 5, 2006 | Deed, Transfer · ARM MORTGAGE LENDERS NETWORK USA INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2022 · Amount on File |
| Deed Sale | Jan 26, 2022 · Amount on File |
| Prior Sale | Jun 5, 2006 · Amount on File |
| Deed Document Number | 2022655354 |
| Deed Book / Page | 609 / 482 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1406/655 |
|---|---|
| Date | Feb 6, 2017 |
| Book Page | M1406/655 |
| Instrument | 455601 |
| Name | MEMBERS HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40511 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 5, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0M1594/568 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | M1594/568 |
| Instrument | 521593 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1632/738 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | M1632/738 |
| Instrument | 538132 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0M1357/603 |
|---|---|
| Date | Oct 19, 2015 |
| Book Page | M1357/603 |
| Instrument | 436515 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0M1379/298 |
|---|---|
| Date | May 31, 2016 |
| Book Page | M1379/298 |
| Instrument | 445628 |
| Name | MEMBERS HERITAGE CREDIT UNION |
|---|---|
| Address | LEXINGTON, KY 40511 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 30, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jan 26, 2022 |
| Property Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Document Number | 00D609/482 |
| Book / Page | D609 / 482 |
| Map Reference | MB 171 PG 31&32 |
| Instrument Date | Jan 21, 2022 |
| Instrument | 655354 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $229.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 LOCUST RIDGE RD, FRANKFORT, KY 40601-1470 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Document Number | 0000655355 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | 655355 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 5, 2006 |
| Property Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Document Number | 00D491/438 |
| Book / Page | D491 / 438 |
| Instrument Date | May 26, 2006 |
| Instrument | 299677 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $122.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 CHAPMAN DR, FRANKFORT, KY 40601-7985 |
| Name | Verified Name |
|---|---|
| Address | 215 COLDSTREAM DR, FRANKFORT, KY 40601-4230 |
| Document Number | 0000299678 |
|---|---|
| Date | Jun 5, 2006 |
| Instrument | 299678 |
| Name | MORTGAGE LENDERS NETWORK USA INC |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.85% |
| Type Change Date | Jun 1, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.85% |
| Max Rate At Change | 10.8% |
| Index | 6-Month LIBOR |
| Max Rate | 13.8% |
| Document Number | 0M1015/566 |
|---|---|
| Date | Jun 5, 2006 |
| Book Page | M1015/566 |
| Instrument | 299679 |
| Name | MORTGAGE LENDERS NETWORK USA INC |
|---|---|
| Type | Subprime Lender |
| Address | MIDDLETOWN, CT 06457 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2021 |
The 2025 property tax bill for 215 Coldstream Dr was $2,743.
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 | $2,743.00 | $229,000 Land $22,000 Building $207,000 | $229,000 Land $22,000 Building $207,000 |
| 2023 | $2,736.00 (+8.01%) | $229,000 (+7.01%) | $229,000 (+7.01%) |
| 2022 | $2,533.00 | $214,000 | $214,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 215 Coldstream Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 215 Coldstream Dr 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 210 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 | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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