226 E 3rd St, Frankfort, KY 40601 Property Records

Franklin County property record for 226 E 3rd St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Lot Size	0.119 acres (5,180 sqft)
Owner	Company Name on File
Last Sale	$97,000 (Aug 2021)
Tax Bill	$661 (2025)
Deeds & Mortgages	Jun 2005 Mortgage Nov 2011 Mortgage + 8 more
Flood Zone	Zone X (reduced by levee)
APN	`062-31-14-017.00`

Property Details

APN / Parcel Number

Primary APN	`062-31-14-017.00`
Alternative APNs	`75464` `76321`

Interior

Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,180 sqft (0.119 acres)
Lot Dimensions	148 ft deep x 35 ft wide
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	76321
Street Address	226 E 3RD ST
City	FRANKFORT
State	KY
Zip	40601-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CITY OF FRANKFORT
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1013
Census Tract	70500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Frankfort Neighborhood Historic District listed 1982 · 595 contributing resources · NRIS 82002698

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Franklin County assessment roll, 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	Company Name on File
Mailing Address	865 N HOMESTEAD LN, LANCASTER, KY 40444-8260
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2005	Deed of Trust, Mortgage · Conventional Mortgage ARGENT MORTGAGE CO LLC
Nov 9, 2011	Deed of Trust, Mortgage · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jan 6, 2005	Deed of Trust, Mortgage · ARM NOVASTAR MORTGAGE INC
Apr 18, 2022	Intrafamily Transfer, Transfer
Dec 7, 2015	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 7, 2015	Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 18, 2015	Special Warranty Deed, Foreclosure LENDER LIVE SETTLEMENT SERVICES, LENDERLIVE SETTLEMENT SERVIC
Feb 11, 2015	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 28, 2007	Quit Claim Deed, Foreclosure Quitclaim
Feb 28, 2007	Special Warranty Deed, Transfer · Conventional Mortgage CTX MORTGAGE CO LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Dec 7, 2015 · Amount on Record
Deed Document Number	2021532349
Deed Book / Page	605 / 667
Last Transfer Date	Jan 6, 2022
Transfer Doc	00D611/509
Record Updated	Jun 8, 2026

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M965/648
Date	Jun 15, 2005
Book Page	M965/648
Instrument	284486

Lender

Name	ARGENT MORTGAGE CO LLC
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2035

November 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001220/168
Date	Nov 9, 2011
Book Page	1220/168
Instrument	378461

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	GRAND PRAIRIE, TX 75054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2041

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M944/021
Date	Jan 6, 2005
Book Page	M944/021
Instrument	277870

Lender

Name	NOVASTAR MORTGAGE INC
Type	Subprime Lender
Address	INDEPENDENCE, OH 44131

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2035
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	8.75%
Type Change Date	Jan 1, 2007
Change Frequency	6 Months
Min Rate At Change	8.75%
Max Rate At Change	11.7%
Index	6-Month LIBOR
Max Rate	15.7%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Apr 18, 2022
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Document Number	00D611/509
Book / Page	D611 / 509
Map Reference	MB 98 PG 210
Instrument Date	Jan 6, 2022
Instrument	662019
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	865 N HOMESTEAD LN, LANCASTER, KY 40444-8260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 N HOMESTEAD LN, LANCASTER, KY 40444-8260

December 2015: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Dec 7, 2015
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Document Number	00D557/851
Book / Page	D557 / 851
Map Reference	DD98 PG210
Instrument Date	Dec 2, 2015
Instrument	438423
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3705 LADY DI LN, LEXINGTON, KY 40517-1036
Mail Care Of	MICHAEL C ROGERS

December 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Dec 7, 2015
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Document Number	00D557/847
Book / Page	D557 / 847
Map Reference	DD98 PG210
Instrument Date	Dec 2, 2015
Instrument	438422
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3705 LADY DI LN, LEXINGTON, KY 40517-1036
Investor	Possibly a Property Investor

May 2015: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	FRANKLIN KY
Recording Date	May 18, 2015
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Document Number	00D553/628
Book / Page	D553 / 628
Map Reference	DD98 PG210
Instrument Date	Jan 27, 2015
Instrument	430141
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026
Title Company	LENDER LIVE SETTLEMENT SERVICES, LENDERLIVE SETTLEMENT SERVIC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	350 HIGHLAND DR, LEWISVILLE, TX 75067-4488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 7TH ST SW # B-133, B-133, WASHINGTON, DC 20024-3193
Investor	Possibly a Property Investor

February 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN KY
Recording Date	Feb 11, 2015
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Document Number	00D551/722
Book / Page	D551 / 722
Map Reference	DD98 PG210
Instrument Date	Nov 10, 2014
Instrument	426420
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5621 KNOB RD, NASHVILLE, TN 37209-4521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 HIGHLAND DR, LEWISVILLE, TX 75067-4488

February 2007: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN KY
Recording Date	Feb 28, 2007
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Document Number	00D497/411
Book / Page	D497 / 411
Map Reference	DD98 PG210
Instrument Date	Jan 26, 2007
Instrument	312837
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 N 2ND AVE, PETERSBURG, FL 00000

February 2007: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FRANKLIN KY
Recording Date	Feb 28, 2007
Property Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Document Number	00D497/414
Book / Page	D497 / 414
Map Reference	DD98 PG210
Instrument Date	Jan 26, 2007
Instrument	312838
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$62.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 N 2ND AVE200S, AVE200S, PETERSBURG, FL 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 E 3RD ST, FRANKFORT, KY 40601-2912
Investor	Possibly a Property Investor

Mortgage

Document Number	0000312839
Date	Feb 28, 2007
Instrument	312839

Lender

Name	CTX MORTGAGE CO LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Franklin County
Municipality	Frankfort City
Unified School District	Frankfort Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$661.00 (-3.78%)	$145,000 (-) Land $10,000 Building $135,000	$145,000 (-) Land $10,000 Building $135,000
2023	$687.00 (-0.43%)	$145,000 (-)	$145,000 (-)
2022	$690.00	$145,000	$145,000

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	294 (1978–2025)
Claims Outside the SFHA	23 of 294
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 · 22 claims Severe, Storms, Flooding, Landslides, And Mudslides, Mar 2021 · 9 claims Severe Storms & Flooding, Feb 1989 · 114 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	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	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

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 283 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

226 E 3rd St, Frankfort, KY 40601 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2005: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2011: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2005: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2015: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2015: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2015: Special Warranty Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2015: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2007: Quit Claim Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2007: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E 3rd St

Nearby Streets

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