Simpson County property record for 818 Spears Ave, Franklin, KY 42134
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,040 sqft · built 1961 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $89,900 (Jul 2020) |
| Tax Bill | $788 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-00-05-008.00 |
| Primary APN | 015-00-05-008.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.16 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| Garage Type | Carport |
| Garage Area | 216 sqft |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 818 SPEARS AVE |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-1006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 818 SPEARS AVENUE |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 970200 |
Source: Simpson County records, as of January 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 818 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2022 | Deed of Trust, Mortgage · Line of Credit ABOUND FCU |
| Sep 18, 2025 | Deed, Transfer · VA Mortgage NAVY FCU |
| Jul 31, 2020 | Deed, Transfer · Conventional Mortgage THE GERMAN AMERICAN BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2020 · Amount on Record |
| Deed Sale | Jul 31, 2020 · Amount on Record |
| Deed Document Number | 0000350129 |
| Deed Book / Page | 350 / 129 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 818 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M520/752 |
|---|---|
| Date | Jul 7, 2022 |
| Book Page | M520/752 |
| Instrument | 1209447 |
| Name | ABOUND FCU |
|---|---|
| Type | Credit Union |
| Address | RADCLIFF, KY 40159 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jun 23, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Sep 18, 2025 |
| Property Address | 818 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Document Number | 00D389/856 |
| Book / Page | D389 / 856 |
| Instrument Date | Sep 18, 2025 |
| Instrument | 1254930 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 333 NASH STONE CT, ALVATON, KY 42122-7806 |
| Name | Verified Name |
|---|---|
| Address | 818 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Document Number | 00M574/312 |
|---|---|
| Date | Sep 18, 2025 |
| Book Page | M574/312 |
| Instrument | 1254934 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Jul 31, 2020 |
| Property Address | 818 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Document Number | 00D350/129 |
| Book / Page | D350 / 129 |
| Map Reference | MB 227 PG 93 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 1197730 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 612 VILLAGE DR, FRANKLIN, KY 42134-1114 |
| Name | Verified Name |
|---|---|
| Address | 818 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Document Number | 0001197731 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 1197731 |
| Name | THE GERMAN AMERICAN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
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 | $788.00 (-5.74%) | $89,900 (-) | $89,900 (-) |
| 2023 | $836.00 | $89,900 | $89,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
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 | SIMPSON COUNTY WATER DISTRICT serves 8,946 people · EPA ID KY1070398 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2022–2024) 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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