Franklin County property record for 318 Stephen Rd, Frankfort, KY 40601 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.241 acres (10,482 sqft) |
| Owner | Individual Name on File |
| Last Sale | $107,000 (Jan 2022) |
| Tax Bill | $4,522 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jul 2014 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-50-02-036.00 |
| Primary APN | 085-50-02-036.00 |
|---|---|
| Alternative APN |
|
| Lot Area | 10,482 sqft (0.241 acres) |
|---|---|
| View / Lot | Flood Plain/Flood Zone |
| Terrain | Rolling |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 75188 |
|---|---|
| Street Address | 318 STEPHEN RD |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER LAKE 1S BLK C LOT 36 |
| Legal Subdivision | SILVER LAKE FM 1-S |
| Legal Phase | 1 |
| Legal Block | C |
| Legal Lot Number | 36 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 70706 |
Source: Franklin County records · APN 085-50-02-036.00
Assessment roll updated March 27, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FIRST FSB (FRANKFORT KY |
| Jul 30, 2014 | Deed of Trust, Mortgage · FmHA Mortgage FARMERS BANK & CAPITAL TRUST CO |
| Nov 01, 2019 | Deed of Trust, Mortgage · Commercial Mortgage WESBANCO BANK INC |
| Sep 01, 2021 | Deed, Subdivision Related Transfer · Conventional Mortgage L&N FCU |
| Sep 01, 2021 | Deed, Subdivision Related Transfer · Conventional Mortgage L&N FCU |
| Nov 01, 2019 | Deed of Trust, Mortgage · Commercial Mortgage WESBANCO BANK INC |
| Mar 27, 2013 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 25, 2022 · Amount on Record |
| Deed Sale | Jan 25, 2022 · Amount on Record |
| Prior Sale | Sep 01, 2021 · Amount on Record |
| Deed Document Number | 2022655217 |
| Deed Book / Page | 609 / 462 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 104 CHAPMAN DR, FRANKFORT, KY 40601-7985 |
| Document Number | 0M1653/508 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | M1653/508 |
| Instrument | 659772 |
| Name | FIRST FSB (FRANKFORT KY |
|---|---|
| Type | Bank |
| Address | FRANKFORT, KY 40601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1318/544 |
|---|---|
| Date | Jul 30, 2014 |
| Book Page | M1318/544 |
| Instrument | 418951 |
| Name | FARMERS BANK & CAPITAL TRUST CO |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | FmHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 29, 2015 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1509/492 |
|---|---|
| Date | Nov 01, 2019 |
| Book Page | M1509/492 |
| Instrument | 496634 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 5 Months |
| Due | Apr 29, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 01, 2021 |
| Property Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Document Number | D606/1 |
| Book / Page | D606 / 1 |
| Map Reference | CAB F SL 593 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 533067 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $47.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1103 E MAIN ST, 1103, FRANKFORT, KY 40601 |
| Name | Verified Name |
|---|---|
| Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Document Number | 533068 |
|---|---|
| Date | Sep 01, 2021 |
| Instrument | 533068 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 01, 2021 |
| Property Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Document Number | 0000D606/1 |
| Book / Page | D606 / 1 |
| Map Reference | CAB F SL 593 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 533067 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $47.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1103 E MAIN ST, FRANKFORT, KY 40601 |
| Name | Verified Name |
|---|---|
| Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Document Number | 0000533068 |
|---|---|
| Date | Sep 01, 2021 |
| Instrument | 533068 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1509/492 |
|---|---|
| Date | Nov 01, 2019 |
| Book Page | M1509/492 |
| Instrument | 496634 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 5 Months |
| Due | Apr 29, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Mar 27, 2013 |
| Property Address | 318 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Document Number | 00D538/776 |
| Book / Page | D538 / 776 |
| Map Reference | CAB F SL593 |
| Instrument Date | Mar 22, 2013 |
| Instrument | 399803 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 229 TWIN PINES LN, FRANKFORT, KY 40601-7644 |
| Name | Verified Name |
|---|---|
| Address | 229 TWIN PINES LN, FRANKFORT, KY 40601-7644 |
| Investor | Possibly a Property Investor |
Source: Franklin County records · Assessment roll updated March 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Franklin County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,522.00 (+0.24%) | $377,500 (-) Land $47,500 Building $330,000 | $377,500 (-) Land $47,500 Building $330,000 |
| 2023 | $4,511.00 (+702.67%) | $377,500 (+694.74%) | $377,500 (+694.74%) |
| 2022 | $562.00 | $47,500 | $47,500 |
Source: FEMA National Flood Hazard Layer, Franklin County (21073C), updated December 21, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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