54 Lawrence St, Frankfort, KY 40601 Property Records

Franklin County property record for 54 Lawrence St, Frankfort, KY 40601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · built 2004
Lot Size	0.597 acres (26,033 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Aug 2026)
Tax Bill	$1,508 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2005 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`051-20-04-013.00`

Property Details

APN / Parcel Number

Primary APN	`051-20-04-013.00`
Alternative APN	`75326`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,033 sqft (0.597 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	75326
Street Address	54 LAWRENCE ST
City	FRANKFORT
State	KY
Zip	40601-9023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EVERGREEN LOT 22-E
Legal Subdivision	EVERGREEN
Legal Phase	V
Legal Lot Number	22-E
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1029
Census Tract	71001

Owner

54 Lawrence St is owned and occupied by two individuals who bought it in August 2026.

Source: Franklin County records, as of August 24, 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	1009 WATERMILL LN, LEXINGTON, KY 40515-5089
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 18, 2005	Deed of Trust, Mortgage DAVID L TINCHER ETUX
Jun 23, 2016	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY
Sep 27, 2021	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 22, 2017	Deed, Transfer · Commercial Mortgage FIRST FSB (FRANKFORT KY)
Mar 29, 2016	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 30, 2015	Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Oct 20, 2015	Commissioner's Deed, Foreclosure
Oct 24, 2007	Deed, Transfer STOCKTON MORTGAGE CORP
Apr 16, 2007	Deed, Transfer AMERICAN FOUNDERS BANK INC
Jan 10, 2007	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2026 · Amount on File
Deed Sale	Aug 13, 2026 · Amount on File
Prior Sale	Sep 27, 2021 · Amount on File
Deed Document Number	2026947264
Deed Book / Page	648 / 346
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Aug 13, 2026
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	0000947264
Book / Page	648 / 346
Instrument Date	Jul 20, 2026
Instrument	2026947264
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1009 WATERMILL LN, LEXINGTON, KY 40515-5089

Mortgage

Document Number	0000947267,
Date	Aug 13, 2026
Instrument	2026947267

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M961/521
Date	May 18, 2005
Book Page	M961/521
Instrument	283356

Lender

Name	DAVID L TINCHER ETUX
Type	Private Party
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	74 Months
Due	Jul 27, 2011

Interest

Rate	6%

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1381/841
Date	Jun 23, 2016
Book Page	M1381/841
Instrument	446612

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 13, 2036

Interest

Rate Type	Adjustable Rate

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Sep 27, 2021
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	00D606/634
Book / Page	D606 / 634
Map Reference	MB 2 PG 15
Instrument Date	Sep 17, 2021
Instrument	535305
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	52 LAWRENCE ST, FRANKFORT, KY 40601-9023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023

Mortgage

Document Number	0000535306
Date	Sep 27, 2021
Instrument	535306

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Dec 22, 2017
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	00D574/331
Book / Page	D574 / 331
Map Reference	MB 2 PG 15
Instrument Date	Dec 22, 2017
Instrument	468725
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Tax	$125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3201 GEORGETOWN RD, FRANKFORT, KY 40601-8863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023

Mortgage

Document Number	0000468727
Date	Dec 22, 2017
Instrument	468727

Lender

Name	FIRST FSB (FRANKFORT KY)
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 22, 2037

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0M1440/636
Date	Dec 22, 2017
Book Page	M1440/636
Instrument	468726

Lender

Name	FIRST FSB (FRANKFORT KY)
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2047

Interest

Rate Type	Adjustable Rate

March 2016: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Mar 29, 2016
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	00D459/487
Book / Page	D459 / 487
Map Reference	MB2 PG15
Instrument Date	Mar 25, 2016
Instrument	443032
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3201 GEORGETOWN RD, FRANKFORT, KY 40601-8863
Investor	Possibly a Property Investor

December 2015: Deed, Foreclosure

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Dec 30, 2015
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	00D558/554
Book / Page	D558 / 554
Map Reference	MB2 PG15
Instrument Date	Nov 13, 2015
Instrument	439331
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1610 E SAINT ANDREW PLB, SANTA ANA, CA 92705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

October 2015: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	FRANKLIN KY
Recording Date	Oct 20, 2015
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	00D557/016
Book / Page	D557 / 016
Map Reference	MB2 PG15
Instrument Date	Nov 12, 2014
Instrument	436586
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 E SAINT ANDREW PL # B, B, SANTA ANA, CA 92705-4941

October 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Oct 24, 2007
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	00D502/529
Book / Page	D502 / 529
Map Reference	MB2 PG15
Instrument Date	Oct 23, 2007
Instrument	322408
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	216 TWIN PINES LN, FRANKFORT, KY 40601-7644

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Investor	Possibly a Property Investor

Mortgage

Document Number	0000322409
Date	Oct 24, 2007
Instrument	322409

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2037

April 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Apr 16, 2007
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	00D498/389
Book / Page	D498 / 389
Map Reference	MB2 PG15
Instrument Date	Apr 13, 2007
Instrument	314786
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1854 MIDLAND TRL, SHELBYVILLE, KY 40065-9112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 TWIN PINES LN, FRANKFORT, KY 40601-7644

Mortgage

Document Number	0M1053/820
Date	Apr 16, 2007
Book Page	M1053/820
Instrument	314787

Lender

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

Agreement

Amount	Amount on Record
Term	6 Months
Due	Oct 13, 2007

January 2007: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jan 10, 2007
Property Address	54 LAWRENCE ST, FRANKFORT, KY 40601-9023
Document Number	00D496/459
Book / Page	D496 / 459
Map Reference	MB2 PG15
Instrument Date	Dec 27, 2006
Instrument	310123
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1854 MIDLAND TRL, SHELBYVILLE, KY 40065-9112

Tax Assessment & Valuation

The 2025 property tax bill for 54 Lawrence St was $1,508 with a homeowner's exemption.

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	$1,508.00	$175,000 Land $22,000 Building $153,000	$175,000 Land $22,000 Building $153,000
2023	$2,091.00	$175,000	$175,000

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

Flood

FEMA maps place 54 Lawrence St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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.

Wildfire

Wildfire risk around 54 Lawrence St 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	FARMDALE WATER DISTRICT serves 8,203 people · EPA ID KY0370128
Water Source	Purchased surface water from FRANKFORT PLANT BOARD
Last State Inspection	Apr 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 40 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lawrence St

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