Simpson County property record for 976 Phillips Ln, Franklin, KY 42134
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 2018 |
| Lot Size | 2.11 acres (92,347 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $30,000 (Aug 2012) |
| Tax Bill | $2,369 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-00-00-040.00 |
| Primary APN | 047-00-00-040.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 92,347 sqft (2.11 acres) |
| Porch | Porch |
| Porch Area | 270 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 976 PHILLIPS LN |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-7142 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 976 PHILLIPS LANE |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 3 |
| Census Block | 3016 |
| 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 | 976 PHILLIPS LN, FRANKLIN, KY 42134-7142 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH CENTRAL BANK |
| Jun 5, 2020 | Deed of Trust, Mortgage · Line of Credit SOUTH CENTRAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2012 · Amount on Record |
| Deed Sale | Aug 24, 2012 · Amount on Record |
| Deed Document Number | 0000299549 |
| Deed Book / Page | 299 / 549 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 976 PHILLIPS LN, FRANKLIN, KY 42134-7142 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | M506/277 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | M506/277 |
| Instrument | 1205426 |
| Name | SOUTH CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | GLASGOW, KY 42141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 976 PHILLIPS LN, FRANKLIN, KY 42134-7142 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M474/173 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | M474/173 |
| Instrument | 1196925 |
| Name | SOUTH CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | GLASGOW, KY 42142 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | May 20, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Simpson County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Simpson County |
| Unified School District | Simpson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,369.00 (+49.75%) | $270,000 (+58.82%) | $270,000 (+58.82%) |
| 2023 | $1,582.00 | $170,000 | $170,000 |
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 | 2 in force |
| Nearby Flood Claims | 3 (2010–2025) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
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 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Franklin EPB Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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