823 E Cedar St, Franklin, KY 42134 Property Records

Simpson County property record for 823 E Cedar St, Franklin, KY 42134

Property Summary

Property Type	Commercial
Details	4,000 sqft
Lot Size	0.622 acres (27,094 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Dec 2023)
Tax Bill	$482 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-00-06-030.00`

Property Details

APN / Parcel Number

Primary APN	`015-00-06-030.00`
Alternative APN	`6259`

Interior

Building Area	4,000 sqft Total Area

Exterior

Lot Area	27,094 sqft (0.622 acres)
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	823 E CEDAR ST
City	FRANKLIN
State	KY
Zip	42134-1207
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	823 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 · APN 015-00-06-030.00

Assessment roll updated February 2, 2026 · Last verified July 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 File
Mailing Address	PO BOX 616, FRANKLIN, KY 42135-0616
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 08, 2023 · Amount on Record
Deed Sale	Dec 08, 2023 · Amount on Record
Deed Document Number	20231220418
Deed Book / Page	376 / 720
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Recording Date	Jun 09, 2026
Property Address	823 E CEDAR ST, FRANKLIN, KY 42134-1207
Document Number	0001265101
Book / Page	588 / 804
Instrument Date	Jun 08, 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 09, 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 08, 2051

Interest

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

Tax Assessment & Valuation

Source: Simpson County records · Assessment roll updated February 2, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$482.00 (-5.86%)	$55,000 (-)	$55,000 (-)
2023	$512.00	$55,000	$55,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 17, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Franklin Electric Plant Board Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Spectrum, T-Mobile USA.

Based on FCC filings for 67 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SIMPSON COUNTY WATER DISTRICT serves 8,946 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.