Franklin County property record for 322 Stephen Rd, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 504 sqft · built 2001 |
| Lot Size | 0.417 acres (18,180 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $181,500 (Dec 2014) |
| Tax Bill | $2,246 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-50-02-034.00 |
| Primary APN | 085-50-02-034.00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 504 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,180 sqft (0.417 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 63679 |
|---|---|
| Street Address | 322 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 34 |
| Legal Subdivision | SILVER LAKE FM 1-S |
| Legal Phase | 1 |
| Legal Block | C |
| Legal Lot Number | 34 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 70706 |
322 Stephen Rd is owned and occupied by two individuals who bought it in December 2014.
Source: Franklin County records, as of March 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 322 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| 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.
| Date | Document |
|---|---|
| Oct 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2014 · Amount on File |
| Deed Sale | Dec 9, 2014 · Amount on File |
| Prior Sale | Dec 28, 2011 · Amount on File |
| Deed Document Number | 2014423833 |
| Deed Book / Page | 550 / 524 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 322 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1630/75 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | M1630/75 |
| Instrument | 536920 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 322 STEPHEN RD, FRANKFORT, KY 40601-3707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1535/851 |
|---|---|
| Date | May 11, 2020 |
| Book Page | M1535/851 |
| Instrument | 504788 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 322 Stephen Rd was $2,246.
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,246.00 | $187,500 Land $35,000 Building $152,500 | $187,500 Land $35,000 Building $152,500 |
| 2023 | $2,240.00 (+0.9%) | $187,500 (-) | $187,500 (-) |
| 2022 | $2,220.00 | $187,500 | $187,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 322 Stephen Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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 risk around 322 Stephen Rd 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 | 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 392 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures