403 E 4th St, Frankfort, KY 40601 Property Records

Franklin County property record for 403 E 4th St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · built 1969
Lot Size	0.367 acres (16,000 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Jul 2017)
Tax Bill	$738 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2017 Line of Credit + 8 more
Flood Zone	Zone AE (high risk)
APN	`062-30-04-006.00`

Property Details

APN / Parcel Number

Primary APN	`062-30-04-006.00`
Alternative APN	`74834`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,000 sqft (0.367 acres)
Lot Dimensions	100 ft deep x 160 ft wide
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	74834
Street Address	403 E 4TH ST
City	FRANKFORT
State	KY
Zip	40601-2983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADMIRALS LANDING LOT 2
Legal Subdivision	ADMIRALS LANDING
Legal Phase	1
Legal Lot Number	2
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1001
Census Tract	70500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Frankfort Neighborhood Historic District (Boundary Increase) listed 2013 · 175 contributing resources · NRIS 13000557

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK
Oct 6, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY
Feb 6, 2023	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
May 29, 2025	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Sep 12, 2006	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK & TRUST
Aug 3, 2010	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC
Jun 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY
Jul 6, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 26, 2016	Intrafamily Transfer, Transfer · ARM COMMONWEALTH CU INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2017 · Amount on Record
Deed Sale	Jul 6, 2017 · Amount on Record
Prior Sale	Apr 26, 2016 · Amount on Record
Deed Document Number	2017461879
Deed Book / Page	570 / 549
Last Transfer Date	Jun 24, 2021
Transfer Doc	00D604/295
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Recording Date	Jul 23, 2026
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Document Number	0000945480
Book / Page	1827 / 528
Instrument Date	Jun 9, 2026
Instrument	2026945480
Transaction Type	Mortgage
Record Updated	Aug 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E 4TH ST, FRANKFORT, KY 40601-2983

Mortgage

Document Number	0000945480,
Date	Jul 23, 2026
Book Page	1827/528
Instrument	2026945480

Lender

Name	INDEPENDENCE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 30, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.71%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1432/841
Date	Oct 6, 2017
Book Page	M1432/841
Instrument	465642

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1578/369
Date	Jan 14, 2021
Book Page	M1578/369
Instrument	515893

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E 4TH ST, FRANKFORT, KY 40601-2983

Mortgage

Document Number	0M1694/462
Date	Feb 6, 2023
Book Page	M1694/462
Instrument	682144

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jan 30, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E 4TH ST, FRANKFORT, KY 40601-2983

Mortgage

Document Number	0M1777/328
Date	May 29, 2025
Book Page	M1777/328
Instrument	873408

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2055

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1028/631
Date	Sep 12, 2006
Book Page	M1028/631
Instrument	303747

Lender

Name	UNITED BANK & TRUST
Type	Bank
Address	VERSAILLES, KY 40383

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2036

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1176/634
Date	Aug 3, 2010
Book Page	M1176/634
Instrument	360989

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Jun 29, 2021
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Document Number	00D604/295
Book / Page	D604 / 295
Map Reference	MB 201 PG 368
Instrument Date	Jun 24, 2021
Instrument	528058
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E 4TH ST, FRANKFORT, KY 40601-2983

Mortgage

Document Number	0000528059
Date	Jun 29, 2021
Instrument	528059

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jul 6, 2017
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Document Number	00D570/549
Book / Page	D570 / 549
Map Reference	DD201 PG368
Instrument Date	Jul 3, 2017
Instrument	461879
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 E 4TH ST, FRANKFORT, KY 40601-2983

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	403 E 4TH ST, FRANKFORT, KY 40601-2983

April 2016: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Apr 26, 2016
Property Address	403 E 4TH ST, FRANKFORT, KY 40601-2983
Document Number	00D561/077
Book / Page	D561 / 077
Map Reference	DD201 PG368
Instrument Date	Apr 20, 2016
Instrument	444200
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E 4TH ST, FRANKFORT, KY 40601-2983

Mortgage

Document Number	0000444201
Date	Apr 26, 2016
Instrument	444201

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	May 1, 2021
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	9.12%

Mortgage

Document Number	0M1375/600
Date	Apr 26, 2016
Book Page	M1375/600
Instrument	444202

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Franklin County
Municipality	Frankfort City
Unified School District	Frankfort Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$738.00 (-3.78%)	$162,000 (-) Land $22,000 Building $140,000	$162,000 (-) Land $22,000 Building $140,000
2023	$767.00 (-0.52%)	$162,000 (-)	$162,000 (-)
2022	$771.00	$162,000	$162,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	294 (1978–2025)
Claims Outside the SFHA	23 of 294
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 22 claims Severe, Storms, Flooding, Landslides, And Mudslides, Mar 2021 · 9 claims Severe Storms & Flooding, Feb 1989 · 114 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 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	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20