320 Cedar Way, Frankfort, KY 40601 Property Records

Franklin County property record for 320 Cedar Way, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1997
Lot Size	0.196 acres (8,563 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Jun 2008)
Tax Bill	$789 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-20-11-014.00`

Property Details

APN / Parcel Number

Primary APN	`037-20-11-014.00`
Alternative APN	`54387`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,563 sqft (0.196 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Driveway	Asphalt Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	54387
Street Address	320 CEDAR WAY
City	FRANKFORT
State	KY
Zip	40601-9000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COOLBROOK FMS IV LOT 351
Legal Subdivision	COOLBROOK FARMS IV
Legal Phase	1V
Legal Lot Number	351
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	2
Census Block	2002
Census Tract	71002

Owner

320 Cedar Way is owned and occupied by an individual who bought it in June 2008.

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

Owner of Record	Individual Name on File
Mailing Address	320 CEDAR WAY, FRANKFORT, KY 40601-9000
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
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 5, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & CAPITAL TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2008 · Amount on File
Deed Sale	Jun 2, 2008 · Amount on File
Deed Document Number	2008330462
Deed Book / Page	506 / 496
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	320 CEDAR WAY, FRANKFORT, KY 40601-9000
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CEDAR WAY, FRANKFORT, KY 40601-9000

Mortgage

Document Number	0M1795/269
Date	Nov 3, 2025
Book Page	M1795/269
Instrument	889242

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Oct 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	320 CEDAR WAY, FRANKFORT, KY 40601-9000
Transaction Type	Mortgage
Record Updated	May 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1597/224
Date	Apr 21, 2021
Book Page	M1597/224
Instrument	522642

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	320 CEDAR WAY, FRANKFORT, KY 40601-9000
Transaction Type	Mortgage
Record Updated	Feb 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 454425
Date	Jan 5, 2017
Book Page	M1403/636
Instrument	454425

Lender

Name	FARMERS BANK & CAPITAL TRUST CO
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Dec 15, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 320 Cedar Way was $789 with a homeowner's exemption.

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	$789.00	$115,000 Land $20,000 Building $95,000	$115,000 Land $20,000 Building $95,000
2023	$820.00	$115,000	$115,000

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

Flood

FEMA maps place 320 Cedar Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 320 Cedar Way 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FARMDALE WATER DISTRICT serves 8,203 people · EPA ID KY0370128
Water Source	Purchased surface water from FRANKFORT PLANT BOARD
Last State Inspection	Apr 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frankfort Plant Board Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cedar Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures