2846 Cedar Rd, Stamping Ground, KY 40379 Property Records

Franklin County property record for 2846 Cedar Rd, Stamping Ground, KY 40379

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 720 sqft · built 1990
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Oct 2024)
Tax Bill	$5,014 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`097-00-00-018.00`

Property Details

APN / Parcel Number

Primary APN	`097-00-00-018.00`
Alternative APNs	`10070` `80654`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	871,200 sqft (20 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Detached
Garage Area	720 sqft
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	80654
Street Address	2846 CEDAR RD
City	STAMPING GROUND
State	KY
Zip	40379-9502
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Jurisdiction	FRANKLIN KY
Township / Civil Division	PEAKS MILL
Census Block Group	1
Census Block	1006
Census Tract	70801

Owner

2846 Cedar Rd, a rural home, is owned and occupied by two individuals who bought it in October 2024.

Source: Franklin County records, as of March 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2846 CEDAR RD, STAMPING GROUND, KY 40379-9502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 11, 2024	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Oct 17, 2024	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2024 · Amount on File
Deed Sale	Oct 17, 2024 · Amount on File
Deed Document Number	2024854735
Deed Book / Page	631 / 328
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	2846 CEDAR RD, STAMPING GROUND, KY 40379-9502
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2846 CEDAR RD, STAMPING GROUND, KY 40379-9502

Mortgage

Document Number	0M1734/850
Date	Apr 11, 2024
Book Page	M1734/850
Instrument	766707

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 8, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN KY
Recording Date	Oct 17, 2024
Property Address	2846 CEDAR RD, STAMPING GROUND, KY 40379-9502
Document Number	00D631/328
Book / Page	D631 / 328
Instrument Date	Oct 15, 2024
Instrument	854735
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	METRO TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 IKEBANA DR, GEORGETOWN, KY 40324-7907

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2846 CEDAR RD, STAMPING GROUND, KY 40379-9502

Mortgage

Document Number	0000854739
Date	Oct 17, 2024
Instrument	854739

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 2846 Cedar Rd was $5,014 with a homeowner's exemption.

Source: Franklin County assessment roll, as of March 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,014.00	$467,702 Land $7,702 Building $460,000	$467,702 Land $7,702 Building $460,000
2023	$1,330.00	$157,702	$157,702

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2846 Cedar Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	16 (1997–2025)
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 · 9 claims Severe, Storms, Flooding, Landslides, And Mudslides, Mar 2021 · 2 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

Wildfire risk around 2846 Cedar 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PEAKS MILL WATER DISTRICT serves 3,268 people · EPA ID KY0370346
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
All Points Broadband Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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