Franklin County property record for 314 E 4th St, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba |
| Lot Size | 0.074 acres (3,220 sqft) |
| Owner | Company Name on Record |
| Last Sale | $360,000 (Jul 2024) |
| Tax Bill | $1,641 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jul 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-31-25-020.00 |
| Primary APN | 062-31-25-020.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum Siding |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,220 sqft (0.074 acres) |
| Lot Dimensions | 92 ft deep x 35 ft wide |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 80192 |
|---|---|
| Street Address | 314 E 4TH ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-2922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1038 |
| 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 June 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 32 CARDINAL LN, WESTWOOD, NJ 07675-3334 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jan 28, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST FSB (FRANKFORT KY |
| Jul 26, 2024 | Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Mar 25, 2022 | Deed, Transfer · Conventional Mortgage COMMONWEALTH CREDIT UNION |
| Aug 30, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2024 · Amount on Record |
| Deed Sale | Jul 26, 2024 · Amount on Record |
| Prior Sale | Jan 31, 2022 · Amount on Record |
| Deed Document Number | 2024848502 |
| Deed Book / Page | 629 / 356 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 314 E 4TH ST, FRANKFORT, KY 40601-2922 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M1581/14 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | M1581/14 |
| Instrument | 516939 |
| Name | FIRST FSB (FRANKFORT KY |
|---|---|
| Type | Bank |
| Address | FRANKFORT, KY 40601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 22, 2046 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jul 26, 2024 |
| Property Address | 314 E 4TH ST, FRANKFORT, KY 40601-2922 |
| Document Number | 00D629/356 |
| Book / Page | D629 / 356 |
| Instrument Date | Jul 23, 2024 |
| Instrument | 848502 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 161 BLUERIDGE DR, FRANKFORT, KY 40601-1438 |
| Name | Verified Name |
|---|---|
| Address | 32 CARDINAL LN, WESTWOOD, NJ 07675-3334 |
| Document Number | 0000848505 |
|---|---|
| Date | Jul 26, 2024 |
| Instrument | 848505 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.6% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.6% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Mar 25, 2022 |
| Property Address | 314 E 4TH ST, FRANKFORT, KY 40601-2922 |
| Document Number | 00D610/760 |
| Book / Page | D610 / 760 |
| Instrument Date | Mar 21, 2022 |
| Instrument | 660382 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 E MAIN ST, FRANKFORT, KY 40601-2314 |
| Name | Verified Name |
|---|---|
| Address | 314 E 4TH ST, FRANKFORT, KY 40601-2922 |
| Document Number | 0000660383 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 660383 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 30, 2018 |
| Property Address | 314 E 4TH ST, FRANKFORT, KY 40601-2922 |
| Document Number | 00D580/004 |
| Book / Page | D580 / 004 |
| Instrument Date | Aug 28, 2018 |
| Instrument | 478681 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1016 IROQUOIS TRL, FRANKFORT, KY 40601-2545 |
| Name | Verified Name |
|---|---|
| Address | 201 PRICE RD APT 106, 106, LEXINGTON, KY 40511-1980 |
| Investor | Possibly a Property Investor |
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 | $1,641.00 (+21.56%) | $360,000 (+26.32%) Land $12,000 Building $348,000 | $360,000 (+26.32%) Land $12,000 Building $348,000 |
| 2023 | $1,350.00 (+8.26%) | $285,000 (+8.78%) | $285,000 (+8.78%) |
| 2022 | $1,247.00 | $262,000 | $262,000 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 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.
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 172 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 | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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