Simpson County property record for 400 E Cedar St, Franklin, KY 42134
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,440 sqft · built 1865 |
| Lot Size | 0.456 acres (19,872 sqft) |
| Owner | Individual Name on File |
| Last Sale | $498,000 (Jul 2023) |
| Tax Bill | $4,369 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jun 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-00-05-004.00 |
| Primary APN | 014-00-05-004.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,440 sqft Living Area |
| Basement Area | 600 sqft |
| Unfinished Basement | 600 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1865 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,872 sqft (0.456 acres) |
| Lot Dimensions | 138 ft deep x 144 ft wide |
| Porch | Porch |
| Porch Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 400 E CEDAR ST |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-1228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 400 EAST CEDAR STREET |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970402 |
Source: Simpson County assessment roll, as of October 15, 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 400 E CEDAR ST, FRANKLIN, KY 42134-1228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2022 | Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST COMPANY INC |
| Jun 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage SERVICEMAC LLC |
| Jul 25, 2023 | Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Jan 27, 2021 | Deed, Transfer · Stand-Alone First Mortgage AMERICAN BANK & TRUST COMPANY INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 25, 2023 · Amount on Record |
| Deed Sale | Jul 25, 2023 · Amount on Record |
| Prior Sale | Jan 27, 2021 · Amount on Record |
| Deed Document Number | 1217082 |
| Deed Book / Page | D373 / 721 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 400 E CEDAR ST, FRANKLIN, KY 42134-1228 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1945 SCOTTSVILLE RD B2, B2, BOWLING GREEN, KY 42104-5836 |
| Document Number | 00M520/350 |
|---|---|
| Date | Jun 27, 2022 |
| Book Page | M520/350 |
| Instrument | 1209321 |
| Name | AMERICAN BANK & TRUST COMPANY INC |
|---|---|
| Type | Bank |
| Address | BOWLING GREEN, KY 42102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 10, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 400 E CEDAR ST, FRANKLIN, KY 42134-1228 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 400 E CEDAR ST, FRANKLIN, KY 42134-1228 |
| Document Number | 00M551/465 |
|---|---|
| Date | Jun 12, 2024 |
| Book Page | M551/465 |
| Instrument | 1224637 |
| Name | SERVICEMAC LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Jul 25, 2023 |
| Property Address | 400 E CEDAR ST, FRANKLIN, KY 42134-1228 |
| Document Number | 00D373/721 |
| Book / Page | D373 / 721 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 1217082 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $498.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 416 W CEDAR ST, FRANKLIN, KY 42134-1710 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 400 E CEDAR ST, FRANKLIN, KY 42134-1228 |
| Document Number | 0001217083 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | 1217083 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Jan 27, 2021 |
| Property Address | 400 E CEDAR ST, FRANKLIN, KY 42134-1228 |
| Document Number | 00D354/253 |
| Book / Page | D354 / 253 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 1200700 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 E CEDAR ST, 400, FRANKLIN, KY 42134-1228 |
| Name | Verified Name |
|---|---|
| Address | 413 W CEDAR ST, FRANKLIN, KY 42134-1709 |
| Document Number | 0001200701 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 1200701 |
| Name | AMERICAN BANK & TRUST COMPANY INC |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 21, 2022 |
Source: Simpson County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Simpson County |
| Municipality | Franklin City |
| Unified School District | Simpson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,369.00 (+275.67%) | $498,000 (+298.4%) | $498,000 (+298.4%) |
| 2023 | $1,163.00 | $125,000 | $125,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 17, 2011
| 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.
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 |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRANKLIN WATER WORKS serves 31,602 people · EPA ID KY1070144 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 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 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Franklin Electric Plant Board Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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