Franklin County property record for 314 E 2nd St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba |
| Lot Size | 0.055 acres (2,400 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $40,000 (Sep 2021) |
| Tax Bill | $218 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Feb 2023 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 062-31-22-016.00 |
| Primary APN | 062-31-22-016.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Gross Area | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum Siding |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 2,400 sqft (0.055 acres) |
| Lot Dimensions | 80 ft deep x 30 ft wide |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 75251 |
|---|---|
| Street Address | 314 E 2ND ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-2906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 70500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the South Frankfort Neighborhood Historic District listed 1982 · 595 contributing resources · NRIS 82002698 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Franklin County records, as of May 13, 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 | 403 E 4TH ST, FRANKFORT, KY 40601-2983 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Feb 24, 2023 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Dec 2, 2021 | Deed of Trust, Mortgage · Construction Mortgage WHITAKER BANK INC |
| Sep 10, 2021 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2021 · Amount on Record |
| Deed Sale | Sep 10, 2021 · Amount on Record |
| Deed Document Number | 2021534057 |
| Deed Book / Page | 606 / 296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | May 1, 2026 |
| Property Address | 314 E 2ND ST, FRANKFORT, KY 40601-2906 |
| Document Number | 0000907626 |
| Book / Page | 1816 / 305 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 2026907626 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 314 E 2ND ST, FRANKFORT, KY 40601-2906 |
| Document Number | 0000907626, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 1816/305 |
| Instrument | 2026907626 |
| Name | WHITAKER BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 20, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 314 E 2ND ST, FRANKFORT, KY 40601-2906 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 314 E 2ND ST, FRANKFORT, KY 40601-2906 |
| Document Number | 0M1696/243 |
|---|---|
| Date | Feb 24, 2023 |
| Book Page | M1696/243 |
| Instrument | 683325 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 15, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 314 E 2ND ST, FRANKFORT, KY 40601-2906 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 314 E 2ND ST, FRANKFORT, KY 40601-2906 |
| Document Number | 0M1636/789 |
|---|---|
| Date | Dec 2, 2021 |
| Book Page | M1636/789 |
| Instrument | 540302 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | FRANKFORT, KY 40602 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 15 Months |
| Due | Nov 15, 2022 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 10, 2021 |
| Property Address | 314 E 2ND ST, FRANKFORT, KY 40601-2906 |
| Document Number | 00D606/296 |
| Book / Page | D606 / 296 |
| Instrument Date | Jul 8, 2021 |
| Instrument | 534057 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4152, FRANKFORT, KY 40604-4152 |
| Name | Verified Name |
|---|---|
| Address | 403 E 4TH ST, FRANKFORT, KY 40601-2983 |
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Frankfort Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $218.00 (-3.96%) | $48,000 (-) Land $8,000 Building $40,000 | $48,000 (-) Land $8,000 Building $40,000 |
| 2023 | $227.00 (-0.44%) | $48,000 (-) | $48,000 (-) |
| 2022 | $228.00 | $48,000 | $48,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 294 (1978–2025) |
| Claims Outside the SFHA | 23 of 294 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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