312 White Cliffs Ln, Frankfort, KY 40601 Property Records

Franklin County property record for 312 White Cliffs Ln, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2009
Lot Size	0.197 acres (8,565 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Oct 2021)
Tax Bill	$2,635 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`084-40-07-001.62`

Property Details

APN / Parcel Number

Primary APN	`084-40-07-001.62`
Alternative APN	`75480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,565 sqft (0.197 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Driveway	Asphalt Driveway

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	75480
Street Address	312 WHITE CLIFFS LN
City	FRANKFORT
State	KY
Zip	40601-2081
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPLES 4 LOT 115
Legal Subdivision	MAPLES 4
Legal Lot Number	115
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	2
Census Block	2019
Census Tract	70802

Owner

312 White Cliffs Ln is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	312 WHITE CLIFFS LN, FRANKFORT, KY 40601-2081
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
Oct 28, 2021	Warranty Deed, Transfer · FHA Mortgage STOCK YARDS BANK & TRUST CO
May 14, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Deed Document Number	2021537751
Deed Book / Page	607 / 391
Prior Transfer Date	May 10, 2019
Prior Transfer Doc	00D585/378
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN KY
Recording Date	Oct 28, 2021
Property Address	312 WHITE CLIFFS LN, FRANKFORT, KY 40601-2081
Document Number	00D607/391
Book / Page	D607 / 391
Map Reference	CAB G SL 376
Instrument Date	Oct 26, 2021
Instrument	537751
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	813 HICKMAN HILL RD, FRANKFORT, KY 40601-8890

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	312 WHITE CLIFFS LN, FRANKFORT, KY 40601-2081

Mortgage

Document Number	0000537754
Date	Oct 28, 2021
Instrument	537754

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	00M1632/33
Date	Oct 28, 2021
Book Page	M1632/33
Instrument	537771

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2031

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	May 14, 2019
Property Address	312 WHITE CLIFFS LN, FRANKFORT, KY 40601-2081
Document Number	00D585/378
Book / Page	D585 / 378
Map Reference	CAB G SL 376
Instrument Date	May 10, 2019
Instrument	488871
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	826 E MAIN ST, FRANKFORT, KY 40601-2567

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 E MAIN ST, FRANKFORT, KY 40601-2567

Tax Assessment & Valuation

The 2025 property tax bill for 312 White Cliffs Ln was $2,635.

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	$2,635.00	$220,000 Land $10,000 Building $210,000	$220,000 Land $10,000 Building $210,000
2023	$2,629.00	$220,000	$220,000

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

Flood

FEMA maps place 312 White Cliffs Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.

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 24 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (1997–2018)
Most Recent Claim	Feb 2018 · other causes
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 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 312 White Cliffs Ln 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	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 222 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

May also be available: AT&T.

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