Simpson County property record for 389 Chaney Rd, Franklin, KY 42134
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,120 sqft · built 1996 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $27,000 (Jan 2004) |
| Tax Bill | $42 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-00-00-069.02 |
| Primary APN | 047-00-00-069.02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,120 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Porch | Porch |
| Porch Area | 200 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 389 CHANEY RD |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-5109 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | 389 CHANEY ROAD |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 970200 |
389 Chaney Rd, a mobile home, is owned and occupied by two individuals who bought it in January 2004.
Source: Simpson County records, as of January 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 389 CHANEY RD, FRANKLIN, KY 42134-5109 |
| 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 |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage · Line of Credit FRANKLIN BANK |
| Apr 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2004 · Amount on File |
| Deed Sale | Jan 16, 2004 · Amount on File |
| Deed Document Number | 0000248545 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Aug 5, 2026 |
| Property Address | 389 CHANEY RD, FRANKLIN, KY 42134-5109 |
| Document Number | 0001267060 |
| Book / Page | 592 / 412 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 20261267060 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 389 CHANEY RD, FRANKLIN, KY 42134-5109 |
| Document Number | 0001267060, |
|---|---|
| Date | Aug 5, 2026 |
| Book Page | 592/412 |
| Instrument | 20261267060 |
| Name | FRANKLIN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 21, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 389 CHANEY RD, FRANKLIN, KY 42134-5109 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M515/609 |
|---|---|
| Date | Apr 7, 2022 |
| Book Page | M515/609 |
| Instrument | 1208009 |
| Name | FRANKLIN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | FRANKLIN, KY 42134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 6.87% |
| Index | 5-Year CMT |
| Max Rate | 10.8% |
The 2025 property tax bill for 389 Chaney Rd was $42 with a homeowner's exemption.
Source: Simpson County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Simpson County |
| Unified School District | Simpson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $42.00 Homeowner's exemption | $54,000 | $54,000 |
| 2023 | $71.00 Homeowner's exemption | $54,000 | $54,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 389 Chaney Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.
Source: FEMA National Flood Hazard Layer, effective March 17, 2011 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2010–2025) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
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 389 Chaney Rd is low, with less than 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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 | SIMPSON COUNTY WATER DISTRICT serves 8,946 people · EPA ID KY1070398 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2022–2024) 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Franklin EPB Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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