3 Ashmore Dr, Frankfort, KY 40601 Property Records

Franklin County property record for 3 Ashmore Dr, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	576 sqft
Owner	Individual Name on Record
Last Sale	$219,000 (Sep 2025)
Tax Bill	$684 (2025)
Deeds & Mortgages	Dec 2014 Mortgage Jun 2006 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`061-44-08-018.00`

Property Details

APN / Parcel Number

Primary APN	`061-44-08-018.00`
Alternative APN	`74085`

Interior

Stories	1 Story
Building Area	576 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Detached
Garage Area	576 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	74085
Street Address	3 ASHMORE DR
City	FRANKFORT
State	KY
Zip	40601-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTROSE PARK LT 2 BLK 3
Legal Subdivision	MONTROSE PARK
Legal Block	3
Legal Lot Number	2
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1019
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	3 ASHMORE DR, FRANKFORT, KY 40601-2303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2014	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Jun 27, 2006	Deed of Trust, Mortgage BENEFICIAL KENTUCKY INC
Sep 26, 2025	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 5, 2021	Deed, Transfer · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY
Jan 23, 2020	Deed, Transfer · Conventional Mortgage COMMONWEALTH CU INC
Oct 12, 2017	Quit Claim Deed, Transfer · ARM COMMONWEALTH CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Prior Sale	Mar 5, 2021 · Amount on Record
Deed Document Number	2025885635
Deed Book / Page	640 / 545
Record Updated	Jun 8, 2026

December 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1330/134
Date	Dec 10, 2014
Book Page	M1330/134
Instrument	423873

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2024

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1018/454
Date	Jun 27, 2006
Book Page	M1018/454
Instrument	300624

Lender

Name	BENEFICIAL KENTUCKY INC
Type	Non-Lending Institution
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2036

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Sep 26, 2025
Property Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303
Document Number	00D640/545
Book / Page	D640 / 545
Map Reference	MB 87 PG 501
Instrument Date	Sep 25, 2025
Instrument	885635
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 SWILCAN BRIDGE WAY, GEORGETOWN, KY 40324-6908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303

Mortgage

Document Number	0000885636
Date	Sep 26, 2025
Instrument	885636

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Mar 5, 2021
Property Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303
Document Number	00D600/806
Book / Page	D600 / 806
Map Reference	MB 87 PG 501
Instrument Date	Mar 5, 2021
Instrument	519291
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2064 REBEL RD, LEXINGTON, KY 40503-2409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303

Mortgage

Document Number	0000519292
Date	Mar 5, 2021
Instrument	519292

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jan 23, 2020
Property Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303
Document Number	00D591/396
Book / Page	D591 / 396
Map Reference	MB 87 PG 501
Instrument Date	Jan 22, 2020
Instrument	500416
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	724 BLACKBURN AVE, FRANKFORT, KY 40601-2041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303

Mortgage

Document Number	0000500417
Date	Jan 23, 2020
Instrument	500417

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN KY
Recording Date	Oct 12, 2017
Property Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303
Document Number	00D572/606
Book / Page	D572 / 606
Map Reference	DD87 PG501
Instrument Date	Oct 2, 2017
Instrument	465797
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ASHMORE DR, FRANKFORT, KY 40601-2303
Investor	Possibly a Property Investor

Mortgage

Document Number	0000465798
Date	Oct 12, 2017
Instrument	465798

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

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	$684.00 (-3.8%)	$150,000 (-) Land $18,000 Building $132,000	$150,000 (-) Land $18,000 Building $132,000
2023	$711.00 (-0.42%)	$150,000 (-)	$150,000 (-)
2022	$714.00	$150,000	$150,000

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	None beyond ember reach

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 351 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Frankfort Plant Board.

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