821 E Cedar St, Franklin, KY 42134 Property Records

Simpson County property record for 821 E Cedar St, Franklin, KY 42134

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 942 sqft · built 1955
Lot Size	0.287 acres (12,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Jun 2017)
Tax Bill	$1,579 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`015-00-06-029.00`

Property Details

APN / Parcel Number

Primary APN	`015-00-06-029.00`
Alternative APN	`7228`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	942 sqft Living Area
Basement Area	942 sqft
Unfinished Basement	942 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,530 sqft (0.287 acres)
Lot Width	61 ft Width
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	821 E CEDAR ST
City	FRANKLIN
State	KY
Zip	42134-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	821 EAST CEDAR STREET
Jurisdiction	SIMPSON KY
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1036
Census Tract	970200

Owner

Source: Simpson County records, as of June 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 616, FRANKLIN, KY 42135-0616
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage SOUTH NATIONAL BANK NC
Dec 8, 2023	Deed, Transfer · Commercial Mortgage SOUTH CENTRAL BANK
Jun 7, 2017	Deed, Transfer · Conventional Mortgage GUARANTY TRUST CO
Jun 7, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2017 · Amount on Record
Deed Sale	Jun 7, 2017 · Amount on Record
Deed Document Number	20171180930
Deed Book / Page	328 / 301
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Recording Date	Jun 9, 2026
Property Address	821 E CEDAR ST, FRANKLIN, KY 42134-1207
Document Number	0001265101
Book / Page	588 / 804
Instrument Date	Jun 8, 2026
Instrument	20261265101
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1755 CEDAR BLUFF RD, WOODBURN, KY 42170-9676

Mortgage

Document Number	0001265101,
Date	Jun 9, 2026
Book Page	588/804
Instrument	20261265101

Lender

Name	SOUTH NATIONAL BANK NC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 8, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Dec 8, 2023
Property Address	821 E CEDAR ST, FRANKLIN, KY 42134-1207
Document Number	00D376/720
Book / Page	D376 / 720
Instrument Date	Dec 6, 2023
Instrument	1220418
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	658 FOREST CIRCLE DR, FRANKLIN, KY 42134-2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 616, FRANKLIN, KY 42135-0616

Mortgage

Document Number	0001220419
Date	Dec 8, 2023
Instrument	1220419

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Dec 6, 2026

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Jun 7, 2017
Property Address	821 E CEDAR ST, FRANKLIN, KY 42134-1207
Document Number	00D328/301
Book / Page	D328 / 301
Instrument Date	Jun 5, 2017
Instrument	1180930
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	342 HENSON RD, BOWLING GREEN, KY 42104-7705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 E CEDAR ST, FRANKLIN, KY 42134-1207

Mortgage

Document Number	0001180931
Date	Jun 7, 2017
Instrument	1180931

Lender

Name	GUARANTY TRUST CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Jun 7, 2017
Property Address	821 E CEDAR ST, FRANKLIN, KY 42134-1207
Document Number	D328/301
Book / Page	D328 / 301
Map Reference	DB 268 PG 627
Instrument Date	Jun 2, 2017
Instrument	1180930
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	342 HENSON RD, 342, BOWLING GREEN, KY 42104-7705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 E CEDAR ST, FRANKLIN, KY 42134-1207

Tax Assessment & Valuation

Source: Simpson County assessment roll, as of February 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,579.00 (-0.88%)	$180,000 (-)	$180,000 (-)
2024	$1,593.00 (+114.11%)	$180,000 (+125%)	$180,000 (+125%)
2023	$744.00	$80,000	$80,000

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 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

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 67 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
Starlink Satellite	280 / 30

May also be available: Spectrum, T-Mobile.

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