55 Mill Rd, Frankfort, KY 40601 Property Records

Franklin County property record for 55 Mill Rd, Frankfort, KY 40601

Property Summary

Property Type	Commercial
Lot Size	2.6 acres (113,300 sqft)
Owner	Company Name on Record
Last Sale	$1,850,000 (Apr 2022)
Tax Bill	$64,990 (2025)
Deeds & Mortgages	May 2023 Mortgage Apr 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`086-40-03-001.00`

Property Details

APN / Parcel Number

Primary APN	`086-40-03-001.00`
Alternative APNs	`68461` `76236`

Exterior

Lot Area	113,300 sqft (2.6 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	76236
Street Address	55 MILL RD
City	FRANKFORT
State	KY
Zip	40601-9263
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	TRACT 2B 2.601 ACRES
Legal Subdivision	MINOR SUB
Legal Tract	2B
Legal Lot Number	2B
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	2
Census Block	2010
Census Tract	70703

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	18420 STANDWICK DR, LOUISVILLE, KY 40245-6294
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Commercial Mortgage RIVER CITY BANK INC
Apr 1, 2022	Deed, Transfer
Oct 25, 2017	Deed, Transfer UNITED BANK & CAPITAL TRUST CO
Mar 23, 2010	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Oct 25, 2017 · Amount on Record
Deed Document Number	2022660837
Deed Book / Page	611 / 125
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	55 MILL RD, FRANKFORT, KY 40601-9263
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1705/743
Date	May 31, 2023
Book Page	M1705/743
Instrument	689367

Lender

Name	RIVER CITY BANK INC
Type	Bank
Address	LOUISVILLE, KY 40201

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	324 Months
Due	May 15, 2050

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Apr 1, 2022
Property Address	55 MILL RD, FRANKFORT, KY 40601-9263
Document Number	00D611/125
Book / Page	D611 / 125
Map Reference	CAB G SL 137&138
Instrument Date	Apr 1, 2022
Instrument	660837
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18420 STANDWICK DR, LOUISVILLE, KY 40245-6294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18420 STANDWICK DR, LOUISVILLE, KY 40245-6294

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Oct 25, 2017
Property Address	55 MILL RD, FRANKFORT, KY 40601-9263
Document Number	00D572/837
Book / Page	D572 / 837
Map Reference	CAB G PG138
Instrument Date	Oct 24, 2017
Instrument	466302
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 599, FRANKFORT, KY 40602-0599

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18420 STANDWICK DR, LOUISVILLE, KY 40245-6294
Investor	Possibly a Property Investor

Mortgage

Document Number	0000466303
Date	Oct 25, 2017
Instrument	466303

Lender

Name	UNITED BANK & CAPITAL TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Oct 24, 2020

March 2010: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	FRANKLIN KY
Recording Date	Mar 23, 2010
Property Address	55 MILL RD, FRANKFORT, KY 40601-9263
Document Number	00D519/351
Book / Page	D519 / 351
Map Reference	CAB G SL137 PG138
Instrument Date	Mar 22, 2010
Instrument	355581
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 W MAIN ST, GEORGETOWN, KY 40324-1320

Tax Assessment & Valuation

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	$64,990.00 (+2,840.72%)	$5,424,888 (+2,832.37%) Land $185,000 Building $5,239,888	$5,424,888 (+2,832.37%) Land $185,000 Building $5,239,888
2023	$2,210.00	$185,000	$185,000

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2021–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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

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	FRANKFORT PLANT BOARD serves 52,153 people · EPA ID KY0370143
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	2 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frankfort Plant Board Fiber	5,000 / 5,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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