5021 Saint Johns Rd, Frankfort, KY 40601 Property Records

Franklin County property record for 5021 Saint Johns Rd, Frankfort, KY 40601

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba
Lot Size	18.1 acres (791,180 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Feb 2026)
Tax Bill	$1,426 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-00-00-024.00`

Property Details

APN / Parcel Number

Primary APN	`008-00-00-024.00`
Alternative APN	`65500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	791,180 sqft (18.1 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Driveway	Gravel Driveway

Location & Zoning

Account Number	65500
Street Address	5021 SAINT JOHNS RD
City	FRANKFORT
State	KY
Zip	40601-7771
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	REVISED TRACT 1 14.163 ACRES
Legal Subdivision	PLAT DONALD ORVILLE & CATHERI
Legal Tract	1
Legal Lot Number	1
Jurisdiction	FRANKLIN KY
Township / Civil Division	BALD KNOB
Census Block Group	2
Census Block	2009
Census Tract	71101

Owner

5021 Saint Johns Rd, a rural home, is owned by two individuals who bought it in February 2026.

Source: Franklin County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1499 HEMPRIDGE RD, SHELBYVILLE, KY 40065-8455
Owner Type	Individual
Vesting	Remainderman

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

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2026	Deed of Trust, Mortgage · Second Mortgage (Down Payment) KENTUCKY HOUSING CORP
Feb 16, 2026	Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Apr 29, 2025	Quit Claim Deed, Transfer Quitclaim
Feb 3, 2016	Deed, Transfer · ARM COMMONWEALTH CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2026 · Amount on File
Deed Sale	Feb 16, 2026 · Amount on File
Prior Sale	Feb 3, 2016 · Amount on File
Deed Document Number	2026899630
Deed Book / Page	644 / 96
Prior Transfer Date	Apr 14, 2025
Prior Transfer Doc	00D637/108
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	5021 SAINT JOHNS RD, FRANKFORT, KY 40601-7771
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5021 SAINT JOHNS RD, FRANKFORT, KY 40601-7771

Mortgage

Document Number	0M1807/293
Date	Feb 16, 2026
Book Page	M1807/293
Instrument	899653

Lender

Name	KENTUCKY HOUSING CORP
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Feb 16, 2026
Property Address	5021 SAINT JOHNS RD, FRANKFORT, KY 40601-7771
Document Number	000D644/96
Book / Page	D644 / 96
Map Reference	CAB K SL 108
Instrument Date	Feb 13, 2026
Instrument	899630
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	216 WALLACE AVE, FRANKFORT, KY 40601-2172

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5021 SAINT JOHNS RD, FRANKFORT, KY 40601-7771

Mortgage

Document Number	0000899633
Date	Feb 16, 2026
Instrument	899633

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Mortgage

Document Number	0M1807/293
Date	Feb 16, 2026
Book Page	M1807/293
Instrument	899653

Lender

Name	KENTUCKY HOUSING CORP
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN KY
Recording Date	Apr 29, 2025
Property Address	5021 SAINT JOHNS RD, FRANKFORT, KY 40601-7771
Document Number	00D637/108
Book / Page	D637 / 108
Map Reference	CAB K SL 108
Instrument Date	Mar 28, 2025
Instrument	870530
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5288 SAINT JOHNS RD, FRANKFORT, KY 40601-7773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5021 SAINT JOHNS RD, FRANKFORT, KY 40601-7771

February 2016: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Feb 3, 2016
Property Address	5021 SAINT JOHNS RD, FRANKFORT, KY 40601-7771
Document Number	00D559/293
Book / Page	D559 / 293
Map Reference	CAB K SL108
Instrument Date	Feb 1, 2016
Instrument	440671
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13444 ADDISON DAM RD, ROME, IN 47574-9001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5021 SAINT JOHNS RD, FRANKFORT, KY 40601-7771

Mortgage

Document Number	0000440672
Date	Feb 3, 2016
Instrument	440672

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 5021 Saint Johns Rd was $1,426.

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	$1,426.00	$119,080 Land $4,580 Building $114,500	$119,080 Land $4,580 Building $114,500
2023	$1,442.00	$120,726	$120,726

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5021 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 5021 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 13 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

5G (outdoors only) and 4G LTE

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