Simpson County property record for 409 Pepper St, Franklin, KY 42134
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 760 sqft · built 1982 |
| Lot Size | 0.573 acres (25,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $57,000 (Aug 2012) |
| Tax Bill | $631 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012-00-04-014.00 |
| Primary APN | 012-00-04-014.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 760 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 25,000 sqft (0.573 acres) |
| Lot Dimensions | 200 ft deep x 125 ft wide |
| Porch | Porch |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Street Address | 409 PEPPER ST |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-1913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 409 PEPPER STREET |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 970401 |
Source: Simpson County records, as of January 30, 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 | 409 PEPPER ST, FRANKLIN, KY 42134-1913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2012 · Amount on Record |
| Deed Sale | Aug 3, 2012 · Amount on Record |
| Deed Document Number | 1099190 |
| Deed Book / Page | 299 / 298 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 409 PEPPER ST, FRANKLIN, KY 42134-1913 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M525/516 |
|---|---|
| Date | Oct 20, 2022 |
| Book Page | M525/516 |
| Instrument | 1211334 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
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 | $631.00 (-5.82%) | $72,000 (-) | $72,000 (-) |
| 2023 | $670.00 | $72,000 | $72,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% 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 | 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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Franklin EPB Fiber Fiber | 1,000 / 1,000 |
May also be available: T-Mobile, Verizon.
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