2226 Pepper Rd, Franklin, KY 42134 Property Records

Simpson County property record for 2226 Pepper Rd, Franklin, KY 42134

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,300 sqft · built 2004
Lot Size	0.98 acres (42,689 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jun 2026)
Tax Bill	$1,579 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`008-00-00-016.01`

Property Details

APN / Parcel Number

Primary APN	`008-00-00-016.01`
Alternative APN	`9483`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	42,689 sqft (0.98 acres)
Driveway	Gravel Driveway
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2226 PEPPER RD
City	FRANKLIN
State	KY
Zip	42134-7930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2226 PEPPER ROAD
Jurisdiction	SIMPSON KY
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2056
Census Tract	970402

Owner

2226 Pepper Rd is owned by an individual who bought it in June 2026.

Source: Simpson County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	380 BARNES RD, ADAIRVILLE, KY 42202-7910
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN BANK & TRUST CO
Nov 22, 2021	Deed, Transfer · FHA Mortgage MAGNOLIA BANK
Mar 7, 2017	Deed of Trust, Mortgage · USDA Mortgage USDA
Mar 26, 2018	Deed of Trust, Mortgage · USDA Mortgage USDA
Nov 27, 2019	Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Nov 22, 2021 · Amount on File
Deed Document Number	20261265614
Deed Book / Page	395 / 811
Prior Transfer Date	Dec 19, 2025
Prior Transfer Doc	0001258412
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Jun 26, 2026
Property Address	2226 PEPPER RD, FRANKLIN, KY 42134-7930
Document Number	0001265614
Book / Page	395 / 811
Instrument Date	Jun 23, 2026
Instrument	20261265614
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	CLARK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,240.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 BARNES RD, ADAIRVILLE, KY 42202-7910

Mortgage

Document Number	0001265615,
Date	Jun 26, 2026
Instrument	20261265615

Lender

Name	STOCKTON MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Property Address	2226 PEPPER RD, FRANKLIN, KY 42134-7930
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2226 PEPPER RD, FRANKLIN, KY 42134-7930

Mortgage

Document Number	00M579/675
Date	Jan 5, 2026
Book Page	M579/675
Instrument	1258413

Lender

Name	FRANKLIN BANK & TRUST CO
Type	Bank
Address	FRANKLIN, KY 42134

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	23 Months
Due	Dec 19, 2027

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Nov 22, 2021
Property Address	2226 PEPPER RD, FRANKLIN, KY 42134-7930
Document Number	D361/133
Book / Page	D361 / 133
Instrument Date	Nov 19, 2021
Instrument	1205790
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2226 PEPPER RD, 2226, FRANKLIN, KY 42134-7930

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 BRACKEN PRICES MILL RD, FRANKLIN, KY 42134-7504

Mortgage

Document Number	1205791
Date	Nov 22, 2021
Instrument	1205791

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Property Address	2226 PEPPER RD, FRANKLIN, KY 42134-7930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M431/074
Date	Mar 7, 2017
Book Page	M431/074
Instrument	1179468

Lender

Name	USDA
Type	Government Agency
Address	RUSSELLVILLE, KY 42276

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	84 Months
Due	Mar 1, 2024

Interest

Rate	2.87%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Property Address	2226 PEPPER RD, FRANKLIN, KY 42134-7930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M443/583
Date	Mar 26, 2018
Book Page	M443/583
Instrument	1185612

Lender

Name	USDA
Type	Government Agency
Address	RUSSELLVILLE, KY 42276

Agreement

Type	USDA Mortgage
Amount	Amount on Record

Interest

Rate	3.25%

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Nov 27, 2019
Property Address	2226 PEPPER RD, FRANKLIN, KY 42134-7930
Document Number	00D345/314
Book / Page	D345 / 314
Instrument Date	Nov 27, 2019
Instrument	1194455
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6485 HIGHLAND RD, 6485, PORTLAND, TN 37148-8352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2226 PEPPER RD, FRANKLIN, KY 42134-7930

Mortgage

Document Number	0001194456
Date	Nov 27, 2019
Instrument	1194456

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Dec 27, 2059

Tax Assessment & Valuation

The 2025 property tax bill for 2226 Pepper Rd was $1,579.

Source: Simpson County assessment roll, as of February 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,579.00	$180,000	$180,000
2023	$1,675.00	$180,000	$180,000

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

Flood

FEMA maps place 2226 Pepper Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 17, 2011 · 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
Nearby Flood Policies	3 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

The area around 2226 Pepper Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	SIMPSON COUNTY WATER DISTRICT serves 8,946 people · EPA ID KY1070398
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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