Franklin County property record for 216 Stephen Rd, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 380 sqft · built 2001 |
| Lot Size | 0.262 acres (11,395 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Nov 2023) |
| Tax Bill | $3,054 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Sep 2006 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-50-02-046.00 |
| Primary APN | 085-50-02-046.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 380 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 | 11,395 sqft (0.262 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Other |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 78992 |
|---|---|
| Street Address | 216 STEPHEN RD |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER LAKE 1R BLK B LOT 8 |
| Legal Subdivision | SILVER LAKE FM 1-R |
| Legal Phase | 1 |
| Legal Block | B |
| Legal Lot Number | 8 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 70706 |
216 Stephen Rd is owned by an individual who bought it in November 2023.
Source: Franklin County records, as of March 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 216 STEVENSON DR, FRANKFORT, KY 40601-3624 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2025 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| Sep 7, 2006 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH BANK & TRUST CO |
| May 15, 2009 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS BANK & CAPITAL TRUST CO |
| Nov 20, 2023 | Deed, Transfer · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Sep 24, 2010 | Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2023 · Amount on File |
| Deed Sale | Nov 20, 2023 · Amount on File |
| Prior Sale | Sep 24, 2010 · Amount on File |
| Deed Document Number | 2023757687 |
| Deed Book / Page | 624 / 427 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 216 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1791/581 |
|---|---|
| Date | Sep 26, 2025 |
| Book Page | M1791/581 |
| Instrument | 885606 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 24, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 216 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1028/162 |
|---|---|
| Date | Sep 7, 2006 |
| Book Page | M1028/162 |
| Instrument | 303568 |
| Name | COMMONWEALTH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SHELBYVILLE, KY 40065 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Aug 16, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 216 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1135/014 |
|---|---|
| Date | May 15, 2009 |
| Book Page | M1135/014 |
| Instrument | 344000 |
| Name | FARMERS BANK & CAPITAL TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2024 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Nov 20, 2023 |
| Property Address | 216 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Document Number | 00D624/427 |
| Book / Page | D624 / 427 |
| Map Reference | CAB F SL 592 |
| Instrument Date | Nov 17, 2023 |
| Instrument | 757687 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1037 ADERLY LN, FRANKFORT, KY 40601-8476 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 216 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Document Number | 0000757688 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | 757688 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2026 |
| Change Frequency | 3 Years |
| Min Rate At Change | 7.25% |
| Max Rate At Change | 9.25% |
| Index | Other |
| Max Rate | 13.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 24, 2010 |
| Property Address | 216 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Document Number | 00D522/784 |
| Book / Page | D522 / 784 |
| Map Reference | CAB F SL592 |
| Instrument Date | Sep 22, 2010 |
| Instrument | 363001 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | CAPITAL TITLE/TX LLC, CAPITAL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 654 WADDY RD, WADDY, KY 40076-6016 |
| Name | Verified Name |
|---|---|
| Address | 216 STEPHEN RD, FRANKFORT, KY 40601-3722 |
| Document Number | 0000363002 |
|---|---|
| Date | Sep 24, 2010 |
| Instrument | 363002 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2040 |
The 2025 property tax bill for 216 Stephen Rd was $3,054.
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 | $3,054.00 | $255,000 Land $30,000 Building $225,000 | $255,000 Land $30,000 Building $225,000 |
| 2023 | $1,852.00 (+0.93%) | $155,000 (-) | $155,000 (-) |
| 2022 | $1,835.00 | $155,000 | $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 216 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 216 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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