Franklin County property record for 407 Wapping St, Frankfort, KY 40601
| Property Type | Commercial |
|---|---|
| Lot Size | 0.244 acres (10,625 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,185 (2025) |
| Deeds & Mortgages | Jul 2019 Line of Credit Feb 2010 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-24-09-006.00 |
| Primary APN | 061-24-09-006.00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Exterior Material | Brick |
|---|---|
| Lot Area | 10,625 sqft (0.244 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Asphalt Driveway |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 56246 |
|---|---|
| Street Address | 407 WAPPING ST |
| City | FRANKFORT |
| State | KY |
| Zip | 40601-2607 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3057 |
| Census Tract | 71200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Central Frankfort Historic District listed 2009 · 85 contributing resources · NRIS 09000570 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
407 Wapping St, a commercial property, is owned by an individual.
Source: Franklin County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 WAPPING ST, FRANKFORT, KY 40601-2607 |
| 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 |
|---|---|
| Jul 18, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Feb 22, 2010 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC |
| Oct 21, 2011 | Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Jun 24, 2019 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 407 WAPPING ST, FRANKFORT, KY 40601-2607 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0M1496/645 |
|---|---|
| Date | Jul 18, 2019 |
| Book Page | M1496/645 |
| Instrument | 491818 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 407 WAPPING ST, FRANKFORT, KY 40601-2607 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1162/403 |
|---|---|
| Date | Feb 22, 2010 |
| Book Page | M1162/403 |
| Instrument | 354455 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 407 WAPPING ST, FRANKFORT, KY 40601-2607 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001218/032 |
|---|---|
| Date | Oct 21, 2011 |
| Book Page | 1218/032 |
| Instrument | 377709 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 24, 2019 |
| Property Address | 407 WAPPING ST, FRANKFORT, KY 40601-2607 |
| Document Number | 00D586/480 |
| Book / Page | D586 / 480 |
| Instrument Date | Jun 8, 2019 |
| Instrument | 490641 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 91 C MICHAEL DAVENPORT BLVD, FRANKFORT, KY 40601-4324 |
| Name | Verified Name |
|---|---|
| Address | 1017 SHAWNEE TRL, FRANKFORT, KY 40601-1737 |
The 2025 property tax bill for 407 Wapping St was $1,185.
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Frankfort Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,185.00 | $260,000 Land $40,000 Building $220,000 | $260,000 Land $40,000 Building $220,000 |
| 2023 | $1,232.00 (-0.4%) | $260,000 (-) | $260,000 (-) |
| 2022 | $1,237.00 | $260,000 | $260,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Wapping St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 30 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 203 (1978–2025) |
| Claims Outside the SFHA | 49 of 203 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 407 Wapping St 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 | 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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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