256 E Main St, Frankfort, KY 40601 Property Records

Franklin County property record for 256 E Main St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Lot Size	0.062 acres (2,733 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000 (Sep 2016)
Tax Bill	$319 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061-44-08-011.00`

Property Details

APN / Parcel Number

Primary APN	`061-44-08-011.00`
Alternative APN	`66605`

Interior

Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,733 sqft (0.062 acres)
Lot Dimensions	64 ft deep x 36 ft wide
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Driveway	Gravel Driveway

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	66605
Street Address	256 E MAIN ST
City	FRANKFORT
State	KY
Zip	40601-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1019
Census Tract	70601

Owner

Source: Franklin County records, as of April 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	208 E 3RD ST, FRANKFORT, KY 40601-2912
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit EXPRESS CREDIT UNION
Jan 18, 2018	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY
Jan 30, 2019	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2016 · Amount on Record
Deed Sale	Sep 15, 2016 · Amount on Record
Deed Document Number	2016449993
Deed Book / Page	564 / 151
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Recording Date	Apr 8, 2026
Property Address	256 E MAIN ST, FRANKFORT, KY 40601-2346
Document Number	0000904946
Book / Page	1813 / 310
Instrument Date	Apr 2, 2026
Instrument	2026904946
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 E MAIN ST, FRANKFORT, KY 40601-2346

Mortgage

Document Number	0000904946,
Date	Apr 8, 2026
Book Page	1813/310
Instrument	2026904946

Lender

Name	EXPRESS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 30, 2046

Interest

Rate	6%
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	256 E MAIN ST, FRANKFORT, KY 40601-2346
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1443/305
Date	Jan 18, 2018
Book Page	M1443/305
Instrument	469673

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 10, 2023

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	256 E MAIN ST, FRANKFORT, KY 40601-2346
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1479/606
Date	Jan 30, 2019
Book Page	M1479/606
Instrument	484647

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 25, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$319.00 (-3.63%)	$70,000 (-) Land $5,000 Building $65,000	$70,000 (-) Land $5,000 Building $65,000
2023	$331.00 (-0.6%)	$70,000 (-)	$70,000 (-)
2022	$333.00	$70,000	$70,000

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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