Simpson County property record for 803 Spears Ave, Franklin, KY 42134
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,884 sqft · built 1965 |
| Lot Size | 0.447 acres (19,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,600 (Jan 2018) |
| Tax Bill | $1,184 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Feb 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-00-04-037.00 |
| Primary APN | 015-00-04-037.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,884 sqft Living Area |
| Basement Area | 942 sqft |
| Unfinished Basement | 942 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,500 sqft (0.447 acres) |
| Lot Dimensions | 130 ft deep x 150 ft wide |
| Garage Area | 324 sqft |
| Porch | Porch |
| Porch Area | 145 sqft |
| Sewer | Connected |
|---|
| Street Address | 803 SPEARS AVE |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-1005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 803 SPEARS AVENUE TRACTS I & II |
| Legal Tract | 1 |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 970200 |
803 Spears Ave is owned and occupied by an individual who bought it in January 2018.
Source: Simpson County records, as of January 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 803 SPEARS AVE, FRANKLIN, KY 42134-1005 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Nov 30, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Feb 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Jan 17, 2018 | Deed, Transfer · FHA Mortgage FIRST LIBERTY FINANCIAL GROUP LLC |
| Apr 24, 2017 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2018 · Amount on File |
| Deed Sale | Jan 17, 2018 · Amount on File |
| Prior Sale | Apr 24, 2017 · Amount on File |
| Deed Document Number | 1184116 |
| Deed Book / Page | D332 / 417 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 803 SPEARS AVE, FRANKLIN, KY 42134-1005 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 00M542/727 |
|---|---|
| Date | Nov 30, 2023 |
| Book Page | M542/727 |
| Instrument | 1220204 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 21, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 803 SPEARS AVE, FRANKLIN, KY 42134-1005 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | M468/695 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | M468/695 |
| Instrument | 1195500 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Jan 17, 2018 |
| Property Address | 803 SPEARS AVE, FRANKLIN, KY 42134-1005 |
| Document Number | 00D332/417 |
| Book / Page | D332 / 417 |
| Instrument Date | Jan 10, 2018 |
| Instrument | 1184116 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $102.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 131 DINWIDDIE RD, 131, FRANKLIN, KY 42134-8493 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 803 SPEARS AVE, FRANKLIN, KY 42134-1005 |
| Document Number | 0001184117 |
|---|---|
| Date | Jan 17, 2018 |
| Instrument | 1184117 |
| Name | FIRST LIBERTY FINANCIAL GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Apr 24, 2017 |
| Property Address | 803 SPEARS AVE, FRANKLIN, KY 42134-1005 |
| Document Number | 00D327/254 |
| Book / Page | D327 / 254 |
| Map Reference | DB 293 PG 305 |
| Instrument Date | Apr 4, 2017 |
| Instrument | 1180077 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $75.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2614 SCHWEIZER RD, 2614, FRANKLIN, KY 42134-8462 |
| Name | Verified Name |
|---|---|
| Address | 803 SPEARS AVE, FRANKLIN, KY 42134-1005 |
The 2025 property tax bill for 803 Spears Ave was $1,184.
Source: Simpson County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Simpson County |
| Municipality | Franklin City |
| Unified School District | Simpson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,184.00 | $135,000 | $135,000 |
| 2023 | $1,256.00 | $135,000 | $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 803 Spears Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1982.
Source: FEMA National Flood Hazard Layer, effective March 17, 2011 · 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (1982) |
| Most Recent Claim | Sep 1982 · rainfall accumulation |
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 risk around 803 Spears Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRANKLIN WATER WORKS serves 31,602 people · EPA ID KY1070144 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Franklin EPB Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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