682 E Main St, Frankfort, KY 40601 Property Records

Franklin County property record for 682 E Main St, Frankfort, KY 40601

Property Summary

Property Type	Commercial
Details	built 1990
Lot Size	0.653 acres (28,474 sqft)
Owner	Company Name on Record
Last Sale	$1,000,000 (Aug 2021)
Tax Bill	$11,980 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`074-41-02-012.00`

Property Details

APN / Parcel Number

Primary APN	`074-41-02-012.00`
Alternative APN	`75040`

Interior

Stories	1 Story

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	28,474 sqft (0.653 acres)
Lot Dimensions	160 ft deep x 200 ft wide
View / Lot	Flood Plain/Flood Zone
Driveway	Asphalt Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	75040
Street Address	682 E MAIN ST
City	FRANKFORT
State	KY
Zip	40601-2350
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PARCEL A & LOTS 1 & 2
Legal Tract	1
Legal Lot Number	1-2
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	1
Census Block	1007
Census Tract	70601

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	607 HODGENVILLE RD, ELIZABETHTOWN, KY 42701-9015
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE CECILIAN BANK
Aug 5, 2021	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS COMMERCE BANK
Sep 12, 2018	Deed, Transfer · Commercial Mortgage COMMUNITY TRUST BANK INC
Aug 10, 2016	Warranty Deed, Transfer · Commercial Mortgage CITIZENS UNION BANK
Sep 28, 2005	Deed, Transfer · Commercial Mortgage CITIZENS UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2021 · Amount on Record
Deed Sale	Aug 5, 2021 · Amount on Record
Prior Sale	Sep 12, 2018 · Amount on Record
Deed Document Number	2021530923
Deed Book / Page	605 / 263
Prior Transfer Date	Aug 2, 2021
Prior Transfer Doc	0M1616/348
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	682 E MAIN ST, FRANKFORT, KY 40601-2350
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M1647/34
Date	Feb 2, 2022
Book Page	M1647/34
Instrument	655993

Lender

Name	THE CECILIAN BANK
Type	Bank
Address	ELIZABETHTOWN, KY 42701

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jan 28, 2042

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	682 E MAIN ST, FRANKFORT, KY 40601-2350
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1616/348
Date	Aug 5, 2021
Book Page	M1616/348
Instrument	530924

Lender

Name	CITIZENS COMMERCE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 2, 2026

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Sep 12, 2018
Property Address	682 E MAIN ST, FRANKFORT, KY 40601-2350
Document Number	00D580/217
Book / Page	D580 / 217
Map Reference	CAB E PG6
Instrument Date	Aug 28, 2018
Instrument	479134
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7078 PEACHTREE INDUSTRIAL BLVD STE 800, 800, PEACHTREE CORNERS, GA 30071-1068

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	13508 133RD AVE, SOUTH OZONE PARK, NY 11420-3510
Investor	Possibly a Property Investor

Mortgage

Document Number	0000479135
Date	Sep 12, 2018
Instrument	479135

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN KY
Recording Date	Aug 10, 2016
Property Address	682 E MAIN ST, FRANKFORT, KY 40601-2350
Document Number	00D563/335
Book / Page	D563 / 335
Map Reference	CAB E PG6
Instrument Date	Jul 27, 2016
Instrument	448528
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	$855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3836 STEWART RD, DORAVILLE, GA 30340-1110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3836 STEWART RD # A, A, DORAVILLE, GA 30340-1110

Mortgage

Document Number	0000448529
Date	Aug 10, 2016
Instrument	448529

Lender

Name	CITIZENS UNION BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jul 28, 2036

September 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Sep 28, 2005
Property Address	682 E MAIN ST, FRANKFORT, KY 40601-2350
Document Number	00D485/611
Book / Page	D485 / 611
Map Reference	CABE PG6
Instrument Date	Sep 27, 2005
Instrument	289238
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1360 E JOHN ROWAN BLVD, BARDSTOWN, KY 40004-2030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 S HURSTBOURNE PKWY, LOUISVILLE, KY 40220-1693

Mortgage

Document Number	0000289239
Date	Sep 28, 2005
Instrument	289239

Lender

Name	CITIZENS UNION BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 27, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,980.00 (+0.25%)	$1,000,000 (-) Land $350,000 Building $650,000	$1,000,000 (-) Land $350,000 Building $650,000
2023	$11,950.00 (+0.93%)	$1,000,000 (-)	$1,000,000 (-)
2022	$11,840.00	$1,000,000	$1,000,000

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

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	9 (2010–2025)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 7 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims

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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 363 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures