2348 Watts Ferry Rd, Frankfort, KY 40601 Property Records

Woodford County property record for 2348 Watts Ferry Rd, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 887 sqft
Lot Size	52 acres (2,265,120 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (Apr 2017)
Tax Bill	$2,837 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-0000-094-00`

Property Details

APN / Parcel Number

Primary APN	`02-0000-094-00`
Alternative APN	`30240`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	887 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Wood
Foundation Type	Stone
Lot Area	2,265,120 sqft (52 acres)

Location & Zoning

Account Number	30240
Street Address	2348 WATTS FERRY RD
City	FRANKFORT
State	KY
Zip	40601-7660
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

Owner

2348 Watts Ferry Rd is owned and occupied by an individual who bought it in April 2017.

Source: Woodford County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2348 WATTS FERRY RD, FRANKFORT, KY 40601-7660
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Jan 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Apr 26, 2017	Deed, Transfer · Commercial Mortgage CITIZENS COMMERCE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2017 · Amount on File
Deed Sale	Apr 26, 2017 · Amount on File
Deed Document Number	35144
Deed Book / Page	D300 / 039
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	2348 WATTS FERRY RD, FRANKFORT, KY 40601-7660
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M905/245
Date	Apr 5, 2021
Book Page	M905/245
Instrument	97363

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	2348 WATTS FERRY RD, FRANKFORT, KY 40601-7660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M852/302
Date	Dec 2, 2019
Book Page	M852/302
Instrument	86032

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	2348 WATTS FERRY RD, FRANKFORT, KY 40601-7660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M831/333
Date	Jan 18, 2019
Book Page	M831/333
Instrument	68585

Lender

Name	L&N FCU
Type	Credit Union
Address	LAKE CHARLES, LA 70602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2034

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Apr 26, 2017
Property Address	2348 WATTS FERRY RD, FRANKFORT, KY 40601-7660
Document Number	D300/039
Book / Page	D300 / 039
Instrument Date	Apr 22, 2017
Instrument	35144
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1525 GERMANY RD, 1525, FRANKFORT, KY 40601-8258

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	237 S HILL RD, VERSAILLES, KY 40383-8619

Mortgage

Document Number	00M792/678
Date	Apr 26, 2017
Book Page	M792/678
Instrument	35145

Lender

Name	CITIZENS COMMERCE NATIONAL BANK
Type	Bank
Address	VERSAILLES, KY 40383

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2348 Watts Ferry Rd was $2,837.

Source: Woodford County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,837.00	$289,500	$289,500
2023	$3,091.00	$289,500	$289,500

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

Flood

FEMA maps place 2348 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	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 48 claims Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Feb 2025 · 10 claims Severe, Storms, Flooding, Landslides, And Mudslides, Mar 2021 · 17 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

Wildfire risk around 2348 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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