Franklin County property record for 323 Stephen Rd, Frankfort, KY 40601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2001 |
| Lot Size | 0.238 acres (10,349 sqft) |
| Owner | Company Name on File |
| Last Sale | $181,000 (Aug 2016) |
| Tax Bill | $3,102 (2025) |
| Deeds & Mortgages | Jan 2007 Line of Credit Jul 2014 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-50-02-032.00 |
| Primary APN | 085-50-02-032.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,349 sqft (0.238 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Other |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 78411 |
|---|---|
| Street Address | 323 STEPHEN RD |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-3710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER LAKE 1-S BK C LOT 32 |
| Legal Subdivision | SILVER LAKE FM 1-S |
| Legal Phase | 1 |
| Legal Block | C |
| Legal Lot Number | 32 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 70706 |
323 Stephen Rd is owned by a company that bought it in August 2016.
Source: Franklin County records, as of March 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1112 DEER HVN, FRANKFORT, KY 40601-5203 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 30, 2007 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| Jul 22, 2014 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Oct 13, 2011 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Apr 23, 2008 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| Jul 25, 2023 | Deed, Transfer · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Aug 9, 2016 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Nov 27, 2006 | Deed, Transfer FIRST FSB OF FRANKFORT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2016 · Amount on File |
| Deed Sale | Aug 9, 2016 · Amount on File |
| Prior Sale | Nov 27, 2006 · Amount on File |
| Deed Document Number | 2016448496 |
| Deed Book / Page | 563 / 328 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1045/728 |
|---|---|
| Date | Jan 30, 2007 |
| Book Page | M1045/728 |
| Instrument | 311717 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | JARREAU, LA 70749 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 19, 2017 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | RAINBOW TITLE COMPANY, RAINBOW TITLE COMPANY INC |
| Name | Verified Name |
|---|
| Document Number | 0M1318/020 |
|---|---|
| Date | Jul 22, 2014 |
| Book Page | M1318/020 |
| Instrument | 418383 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 145 Months |
| Due | Aug 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001217/123 |
|---|---|
| Date | Oct 13, 2011 |
| Book Page | 1217/123 |
| Instrument | 377350 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1095/569 |
|---|---|
| Date | Apr 23, 2008 |
| Book Page | M1095/569 |
| Instrument | 328977 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 12, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jul 25, 2023 |
| Property Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Document Number | 000D622/70 |
| Book / Page | D622 / 70 |
| Map Reference | CAB F SL 593 |
| Instrument Date | Jul 25, 2023 |
| Instrument | 692768 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $269.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 113 TUSCANY LN, FRANKFORT, KY 40601-3700 |
| Name | Verified Name |
|---|---|
| Address | 1112 DEER HVN, FRANKFORT, KY 40601-5203 |
| Document Number | 0000692769 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | 692769 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Jul 25, 2030 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 9, 2016 |
| Property Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Document Number | 00D563/328 |
| Book / Page | D563 / 328 |
| Map Reference | CAB F SL593 |
| Instrument Date | Aug 8, 2016 |
| Instrument | 448496 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $181.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 PORTSMOUTH LN, FRANKFORT, KY 40601-7636 |
| Name | Verified Name |
|---|---|
| Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Nov 27, 2006 |
| Property Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Document Number | 00D495/502 |
| Book / Page | D495 / 502 |
| Map Reference | CAB F SL593 |
| Instrument Date | Nov 27, 2006 |
| Instrument | 307633 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 RYSWICK LN, FRANKFORT, KY 40601-3873 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 323 STEPHEN RD, FRANKFORT, KY 40601-3710 |
| Document Number | 0000307634 |
|---|---|
| Date | Nov 27, 2006 |
| Instrument | 307634 |
| Name | FIRST FSB OF FRANKFORT |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 27, 2036 |
The 2025 property tax bill for 323 Stephen Rd was $3,102.
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 | $3,102.00 | $259,000 Land $32,000 Building $227,000 | $259,000 Land $32,000 Building $227,000 |
| 2023 | $1,656.00 (-3.16%) | $185,000 (-) | $185,000 (-) |
| 2022 | $1,710.00 Homeowner's exemption | $185,000 | $185,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 323 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 323 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 | Direct burnable vegetation |
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 |
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