Franklin County property record for 229 Thomas St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 300 sqft · built 1997 |
| Lot Size | 0.501 acres (21,824 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Apr 2022) |
| Tax Bill | $2,216 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage Oct 2008 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 102-00-00-010.00 |
| Primary APN | 102-00-00-010.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 300 sqft Living Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,824 sqft (0.501 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 76342 |
|---|---|
| Street Address | 229 THOMAS ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-8693 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELKHORN TERRACE 2 LOT 50 |
| Legal Subdivision | ELKHORN TERRACE 2 |
| Legal Lot Number | 50 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 70802 |
229 Thomas St is owned and occupied by an individual who bought it in April 2022.
Source: Franklin County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| 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 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC |
| Oct 28, 2008 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CU INC |
| Mar 11, 2009 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CU INC |
| Apr 20, 2022 | Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Feb 8, 2021 | Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Aug 12, 2015 | Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Apr 24, 2006 | Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC |
| Sep 6, 2005 | Commissioner's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2022 · Amount on File |
| Deed Sale | Apr 20, 2022 · Amount on File |
| Prior Sale | Feb 8, 2021 · Amount on File |
| Deed Document Number | 2022662241 |
| Deed Book / Page | 611 / 592 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | LENDERS TITLE SOLUTIONS, LENDERS TITLE SOLUTIONS LLC |
| Name | Verified Name |
|---|
| Document Number | 0M1414/608 |
|---|---|
| Date | Apr 26, 2017 |
| Book Page | M1414/608 |
| Instrument | 458867 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1113/555 |
|---|---|
| Date | Oct 28, 2008 |
| Book Page | M1113/555 |
| Instrument | 336197 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1126/607 |
|---|---|
| Date | Mar 11, 2009 |
| Book Page | M1126/607 |
| Instrument | 341211 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2039 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Apr 20, 2022 |
| Property Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Document Number | 00D611/592 |
| Book / Page | D611 / 592 |
| Map Reference | MB 2 PG 65 |
| Instrument Date | Apr 18, 2022 |
| Instrument | 662241 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1335 MUSSEL SHOALS RD, OWENTON, KY 40359-9423 |
| Name | Verified Name |
|---|---|
| Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Document Number | 0000662244 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 662244 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Number | 0M1658/626 |
|---|---|
| Date | Apr 20, 2022 |
| Book Page | M1658/626 |
| Instrument | 662254 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | May 1, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Feb 8, 2021 |
| Property Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Document Number | 00D600/296 |
| Book / Page | D600 / 296 |
| Map Reference | MB 2 PG 65 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 517668 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | FOUNDATION TITLE LLC-LIVINGSTON, FOUNDATION T&E LEXINGTON |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $164.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 221 VICTORIA WAY, GEORGETOWN, KY 40324-9196 |
| Name | Verified Name |
|---|---|
| Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Document Number | 0000517669 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 517669 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 12, 2015 |
| Property Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Document Number | 00D555/446 |
| Book / Page | D555 / 446 |
| Map Reference | MB2 PG65 |
| Instrument Date | Aug 6, 2015 |
| Instrument | 433707 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | CAPITAL TITLE/TX LLC, CAPITAL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1027 MAN O WAR DR, FRANKFORT, KY 40601-5318 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Document Number | 0000433708 |
|---|---|
| Date | Aug 12, 2015 |
| Instrument | 433708 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Apr 24, 2006 |
| Property Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Document Number | 00D490/308 |
| Book / Page | D490 / 308 |
| Map Reference | MB2 PG65 |
| Instrument Date | Apr 11, 2006 |
| Instrument | 297827 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $108.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 231 STONEBRIDGE ST, SANTA ANA, CA 92707 |
| Name | Verified Name |
|---|---|
| Address | 231 STONEBRIDGE ST, FRANKFORT, KY 40601 |
| Document Number | 0000297828 |
|---|---|
| Date | Apr 24, 2006 |
| Instrument | 297828 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2036 |
| Document Number | 0M1009/031 |
|---|---|
| Date | Apr 24, 2006 |
| Book Page | M1009/031 |
| Instrument | 297829 |
| Name | CENTURY BANK OF KENTUCKY INC |
|---|---|
| Type | Non-Lending Institution |
| Address | LAWRENCEBURG, KY 40342 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Apr 20, 2021 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 6, 2005 |
| Property Address | 229 THOMAS ST, FRANKFORT, KY 40601-8693 |
| Document Number | 00D485/183 |
| Book / Page | D485 / 183 |
| Map Reference | MB2 PG65 |
| Instrument Date | Aug 1, 2005 |
| Instrument | 288073 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 333 W WACKER DR, CHICAGO, IL 60606-1220 |
The 2025 property tax bill for 229 Thomas St was $2,216.
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,216.00 | $185,000 Land $22,000 Building $163,000 | $185,000 Land $22,000 Building $163,000 |
| 2023 | $2,210.00 | $185,000 | $185,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 229 Thomas St 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 9 (5% premium discount) |
| Nearby Flood Policies | 2 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 229 Thomas St 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELKHORN WATER DISTRICT serves 1,590 people · EPA ID KY0370137 |
|---|---|
| Water Source | Purchased surface water from FRANKFORT PLANT BOARD |
| Last State Inspection | Apr 2024 |
| Lead | 2 ppb (2022–2024) 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 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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