232 E Main St, Frankfort, KY 40601 Property Records

Franklin County property record for 232 E Main St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Lot Size	0.129 acres (5,600 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Jan 2022)
Tax Bill	$1,003 (2025)
Deeds & Mortgages	Jun 2013 Mortgage Dec 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`061-44-05-022.00`

Property Details

APN / Parcel Number

Primary APN	`061-44-05-022.00`
Alternative APNs	`69549` `77475`

Interior

Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,600 sqft (0.129 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Driveway	Asphalt Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	77475
Street Address	232 E MAIN ST
City	FRANKFORT
State	KY
Zip	40601-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1018
Census Tract	70601

Owner

Source: Franklin County records, 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	Individual Name on Record
Mailing Address	232 E MAIN ST, FRANKFORT, KY 40601-2316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2013	Deed of Trust, Mortgage FIRST FSB
Dec 6, 2022	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 21, 2022	Deed, Transfer
Jul 10, 2018	Intrafamily Transfer, Transfer
May 16, 2012	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2022 · Amount on Record
Deed Sale	Jan 21, 2022 · Amount on Record
Prior Sale	May 16, 2012 · Amount on Record
Deed Document Number	2022655036
Deed Book / Page	609 / 430
Prior Transfer Date	Jul 10, 2018
Prior Transfer Doc	00D578/617
Record Updated	Jun 8, 2026

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	232 E MAIN ST, FRANKFORT, KY 40601-2316
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1286/105
Date	Jun 19, 2013
Book Page	M1286/105
Instrument	403364

Lender

Name	FIRST FSB
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 14, 2023

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Dec 6, 2022
Property Address	232 E MAIN ST, FRANKFORT, KY 40601-2316
Document Number	00D617/384
Book / Page	D617 / 384
Instrument Date	Nov 18, 2022
Instrument	678990
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1401 ELM RD, LOUISVILLE, KY 40223-1415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 E MAIN ST, FRANKFORT, KY 40601-2316

Mortgage

Document Number	0000678991
Date	Dec 6, 2022
Instrument	678991

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jan 21, 2022
Property Address	232 E MAIN ST, FRANKFORT, KY 40601-2316
Document Number	00D609/430
Book / Page	D609 / 430
Instrument Date	Jan 21, 2022
Instrument	655036
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 EXMOOR DR, FRANKFORT, KY 40601-6113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 E MAIN ST, FRANKFORT, KY 40601-2316

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Jul 10, 2018
Property Address	232 E MAIN ST, FRANKFORT, KY 40601-2316
Document Number	00D578/617
Book / Page	D578 / 617
Instrument Date	Jul 10, 2018
Instrument	476446
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	232 E MAIN ST, FRANKFORT, KY 40601-2316
Investor	Possibly a Property Investor

May 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN KY
Recording Date	May 16, 2012
Property Address	232 E MAIN ST, FRANKFORT, KY 40601-2316
Document Number	00D532/828
Book / Page	D532 / 828
Instrument Date	May 10, 2012
Instrument	386258
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3206 HICKORY BROOK LN, KINGWOOD, TX 77345-1130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 E MAIN ST, FRANKFORT, KY 40601-2316
Investor	Possibly a Property Investor

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	$1,003.00 (-3.74%)	$220,000 (-) Land $22,000 Building $198,000	$220,000 (-) Land $22,000 Building $198,000
2023	$1,042.00 (+130.53%)	$220,000 (+131.58%)	$220,000 (+131.58%)
2022	$452.00	$95,000	$95,000

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	9 (2010–2025)
Claims Outside the SFHA	1 of 9
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 · 7 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 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	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.

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 46 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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