5411 Saint Johns Rd, Frankfort, KY 40601 Property Records

Franklin County property record for 5411 Saint Johns Rd, Frankfort, KY 40601

Property Summary

Property Type	Rural Home
Details	built 2003
Lot Size	43.5 acres (1,894,860 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2022)
Tax Bill	$1,795 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2009 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`008-00-00-026.00`

Property Details

APN / Parcel Number

Primary APN	`008-00-00-026.00`
Alternative APNs	`72818` `76537`

Interior

Stories	1 Story

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	1,894,860 sqft (43.5 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	76537
Street Address	5411 SAINT JOHNS RD
City	FRANKFORT
State	KY
Zip	40601-9120
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	CHARLES ONAN LTS 3-4
Legal Subdivision	ONAN
Legal Lot Number	3-4
Jurisdiction	FRANKLIN KY
Township / Civil Division	BALD KNOB
Census Block Group	2
Census Block	2009
Census Tract	71101

Owner

5411 Saint Johns Rd, a rural home, is owned by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	226 HIGHWOOD DR, FRANKFORT, KY 40601-9708
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 9, 2009	Deed of Trust, Mortgage AMERICAN FOUNDERS BANK INC
Feb 16, 2007	Deed of Trust, Mortgage AMERICAN FOUNDERS BANK INC
Jul 8, 2020	Deed, Transfer · VA Mortgage INTERLINC MORTGAGE SERVICES LLC
Mar 23, 2017	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS INC
Jul 28, 2005	Deed, Transfer · Line of Credit AMERICAN FOUNDERS BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2022 · Amount on File
Deed Sale	May 18, 2022 · Amount on File
Deed Document Number	2022664664
Deed Book / Page	612 / 446
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1613/662
Date	Jul 20, 2021
Book Page	M1613/662
Instrument	529836

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Sep 1, 2050

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1142/272
Date	Jul 9, 2009
Book Page	M1142/272
Instrument	346551

Lender

Name	AMERICAN FOUNDERS BANK INC
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Amount	Amount on Record
Term	36 Months
Due	Jun 30, 2012

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1047/702
Date	Feb 16, 2007
Book Page	M1047/702
Instrument	312418

Lender

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

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 25, 2022

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jul 8, 2020
Property Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120
Document Number	00D594/574
Book / Page	D594 / 574
Map Reference	CAB E SL 14
Instrument Date	Jul 1, 2020
Instrument	507030
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12400 BALD KNOB RD, FRANKFORT, KY 40601-9561

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120

Mortgage

Document Number	0000507031
Date	Jul 8, 2020
Instrument	507031

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN KY
Recording Date	Mar 23, 2017
Property Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120
Document Number	00D568/188
Book / Page	D568 / 188
Map Reference	CAB E SL14
Instrument Date	Mar 8, 2017
Instrument	457481
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120
Investor	Possibly a Property Investor

Mortgage

Document Number	0000457482
Date	Mar 23, 2017
Instrument	457482

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2042

July 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Jul 28, 2005
Property Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120
Document Number	00D484/295
Book / Page	D484 / 295
Map Reference	CAB E SL14
Instrument Date	Jul 27, 2005
Instrument	286319
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	$147.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2280 CHERRY SPRING RD, CUB RUN, KY 42729-8629

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5411 SAINT JOHNS RD, FRANKFORT, KY 40601-9120
Investor	Possibly a Property Investor

Mortgage

Document Number	0000286320
Date	Jul 28, 2005
Instrument	286320

Lender

Name	AMERICAN FOUNDERS BANK INC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5411 Saint Johns Rd was $1,795.

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	$1,795.00	$149,911 Land $14,911 Building $135,000	$149,911 Land $14,911 Building $135,000
2023	$1,791.00	$149,911	$149,911

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 5411 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 5411 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, as of December 31, 2025

Cell Coverage

4G LTE (outdoors only), no 5G reported

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