Simpson County property record for 832 Spears Ave, Franklin, KY 42134
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,056 sqft · built 1970 |
| Lot Size | 0.295 acres (12,880 sqft) |
| Owner | Individual Name on File |
| Last Sale | $69,500 (Aug 2019) |
| Tax Bill | $754 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2019 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-00-05-015.00 |
| Primary APN | 015-00-05-015.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 12,880 sqft (0.295 acres) |
| Lot Dimensions | 184 ft deep x 70 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Other |
| Sewer | Connected |
| Street Address | 832 SPEARS AVE |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-1006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 832 SPEARS AVENUE |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 970200 |
832 Spears Ave is owned and occupied by an individual who bought it in August 2019.
Source: Simpson County records, as of January 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 832 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| 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 |
|---|---|
| Aug 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN BANK & TRUST CO |
| Aug 5, 2019 | Deed, Transfer · Line of Credit FRANKLIN BANK & TRUST CO |
| Aug 5, 2019 | Deed, Transfer UPLAND TITLE |
| Jun 26, 2019 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2019 · Amount on File |
| Deed Sale | Aug 5, 2019 · Amount on File |
| Prior Sale | Jun 26, 2019 |
| Deed Document Number | 1192675 |
| Deed Book / Page | D343 / 111 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 832 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2020 |
| Title Company | UPLAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M477/353 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | M477/353 |
| Instrument | 1197750 |
| Name | FRANKLIN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | FRANKLIN, KY 42134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Aug 5, 2019 |
| Property Address | 832 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Document Number | 00D343/111 |
| Book / Page | D343 / 111 |
| Map Reference | MB 1 PG 36 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 1192675 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | LAND TITLE, UPLAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $69.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 LYNWOOD DR, 404, FRANKLIN, KY 42134-1511 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 832 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Document Number | 0001192676 |
|---|---|
| Date | Aug 5, 2019 |
| Instrument | 1192676 |
| Name | FRANKLIN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Aug 5, 2019 |
| Property Address | 832 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Document Number | D343/111 |
| Book / Page | D343 / 111 |
| Map Reference | DB 198 PG 535 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 1192675 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | UPLAND TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $69.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 LYNWOOD DR, 404, FRANKLIN, KY 42134-1511 |
| Name | Verified Name |
|---|---|
| Address | 3372 ROYAL TROON RD, LEXINGTON, KY 40509-8479 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Jun 26, 2019 |
| Property Address | 832 SPEARS AVE, FRANKLIN, KY 42134-1006 |
| Document Number | 00D342/368 |
| Book / Page | D342 / 368 |
| Map Reference | PB 1 PG 36 |
| Instrument Date | Jun 26, 2019 |
| Instrument | 1192184 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 832 Spears Ave was $754.
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 | $754.00 | $86,000 | $86,000 |
| 2023 | $800.00 | $86,000 | $86,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 832 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 832 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 | 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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