Woodford County property record for 2280 Watts Ferry Rd, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $717 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jan 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-0000-093-00 |
| Primary APN | 02-0000-093-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Composition/Composite |
|---|---|
| Foundation Type | Concrete |
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 11902 |
|---|---|
| Street Address | 2280 WATTS FERRY RD |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-7659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 STORY |
| Jurisdiction | WOODFORD KY |
| Township / Civil Division | VERSAILLES |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 50300 |
2280 Watts Ferry Rd is owned and occupied by an individual.
Source: Woodford County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2280 WATTS FERRY RD, FRANKFORT, KY 40601-7659 |
| 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 |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Jan 2, 2024 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 1 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Recording Date | Apr 6, 2026 |
| Property Address | 2280 WATTS FERRY RD, FRANKFORT, KY 40601-7659 |
| Document Number | 0000293459 |
| Book / Page | 1025 / 1001 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 2026293459 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2280 WATTS FERRY RD, FRANKFORT, KY 40601-7659 |
| Document Number | 0000293459, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 1025/1001 |
| Instrument | 2026293459 |
| Name | COMMONWEALTH CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 2280 WATTS FERRY RD, FRANKFORT, KY 40601-7659 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00M980/208 |
|---|---|
| Date | Jan 2, 2024 |
| Book Page | M980/208 |
| Instrument | 227706 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2280 Watts Ferry Rd was $717.
Source: Woodford County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Woodford County |
| Unified School District | Woodford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $717.00 | $68,000 | $68,000 |
| 2023 | $774.00 | $68,000 | $68,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2280 Watts Ferry Rd in Zone X, an area of minimal flood risk, though there have been 119 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 75 policies |
| Nearby Flood Policies | 75 in force |
| Nearby Flood Claims | 119 (1978–2025) |
| Claims Outside the SFHA | 2 of 119 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 2280 Watts Ferry 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| Windstream DSL | 25 / 3 |
| All Points Broadband Fixed Wireless | 10 / 1 |
5G (outdoors only) and 4G LTE
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