4901 Saint Johns Rd, Frankfort, KY 40601 Property Records

Franklin County property record for 4901 Saint Johns Rd, Frankfort, KY 40601

Property Summary

Property Type	Rural Home
Details	built 2006
Lot Size	11 acres (479,378 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,336 (2025)
Deeds & Mortgages	Aug 2014 Line of Credit Aug 2014 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`008-00-00-023.01`

Property Details

APN / Parcel Number

Primary APN	`008-00-00-023.01`
Alternative APN	`46581`

Interior

Stories	1 Story

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	479,378 sqft (11 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Driveway	Concrete Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	46581
Street Address	4901 SAINT JOHNS RD
City	FRANKFORT
State	KY
Zip	40601-9104
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TRACT B 11.005 ACRES
Legal Tract	B
Jurisdiction	FRANKLIN KY
Township / Civil Division	BALD KNOB
Census Block Group	2
Census Block	2009
Census Tract	71101

Owner

4901 Saint Johns Rd, a rural home, is owned and occupied by two individuals who acquired it in November 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2014	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC
Aug 26, 2014	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC
May 27, 2008	Deed of Trust, Mortgage · Line of Credit AMERICAN FOUNDERS BANK INC
Mar 20, 2009	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Jan 20, 2005	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FOUNDERS BANK INC
Oct 3, 2012	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Nov 13, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 11, 2020
Transfer Doc	D598/221
Record Updated	Jun 8, 2026

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1320/548
Date	Aug 26, 2014
Book Page	M1320/548
Instrument	419938

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1320/542
Date	Aug 26, 2014
Book Page	M1320/542
Instrument	419938

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1099/102
Date	May 27, 2008
Book Page	M1099/102
Instrument	330176

Lender

Name	AMERICAN FOUNDERS BANK INC
Type	Bank
Address	FRANKFORT, KY 40604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 16, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	CAPITAL TITLE/TX LLC, CAPITAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1128/058
Date	Mar 20, 2009
Book Page	M1128/058
Instrument	341634

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2039

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M946/051
Date	Jan 20, 2005
Book Page	M946/051
Instrument	278569

Lender

Name	AMERICAN FOUNDERS BANK INC
Type	Bank
Address	FRANKFORT, KY 40604

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	59 Months
Due	Dec 23, 2009

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	CAPITAL TITLE/TX LLC, CAPITAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1254/645
Date	Oct 3, 2012
Book Page	M1254/645
Instrument	392130

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2042

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Nov 13, 2020
Property Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104
Document Number	00D598/221
Book / Page	D598 / 221
Instrument Date	Nov 11, 2020
Instrument	512871
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
Address	4763 57 JOHNS RD, FRANKFORT, KY 40601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 SAINT JOHNS RD, FRANKFORT, KY 40601-9104

Tax Assessment & Valuation

The 2025 property tax bill for 4901 Saint Johns Rd was $3,336.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,336.00	$278,546 Land $3,546 Building $275,000	$278,546 Land $3,546 Building $275,000
2023	$3,328.00	$278,546	$278,546

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

Flood

FEMA maps place 4901 Saint Johns Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

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.

Wildfire

Wildfire risk around 4901 Saint Johns Rd is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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	NORTH SHELBY WATER DISTRICT serves 14,660 people · EPA ID KY1060324
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	Under 1 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Bluegrass Fiber Fixed Wireless	50 / 10

Cell Coverage

4G LTE only, no 5G reported

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