Franklin County property record for 995 Duckers Rd, Midway, KY 40347
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 648 sqft · built 1992 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Sep 2020) |
| Tax Bill | $4,538 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-00-00-024.02 |
| Primary APN | 104-00-00-024.02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 648 sqft Living Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 65,340 sqft (1.5 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Garage Area | 648 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 69366 |
|---|---|
| Street Address | 995 DUCKERS RD |
| City | MIDWAY |
| State | KY |
| Zip | 40347-9759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DUCKERS STATION AMENDED LOT 2 |
| Legal Subdivision | DUCKERS STATION |
| Legal Phase | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 70703 |
Source: Franklin County records, as of March 27, 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 | 995 DUCKERS RD, MIDWAY, KY 40347-9759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Feb 21, 2022 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Apr 25, 2019 | Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO |
| Sep 4, 2020 | Deed, Transfer · Line of Credit CENTRAL BANK & TRUST CO |
| Jun 1, 2018 | Warranty Deed, Transfer · ARM GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2020 · Amount on Record |
| Deed Sale | Sep 4, 2020 · Amount on Record |
| Prior Sale | Jun 1, 2018 · Amount on Record |
| Deed Document Number | 2020509755 |
| Deed Book / Page | 596 / 172 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 1, 2026 |
| Property Address | 995 DUCKERS RD, MIDWAY, KY 40347-9759 |
| Document Number | 0000949539 |
| Book / Page | 1832 / 431 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 2026949539 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 995 DUCKERS RD, MIDWAY, KY 40347-9759 |
| Document Number | 0000949539, |
|---|---|
| Date | Sep 1, 2026 |
| Book Page | 1832/431 |
| Instrument | 2026949539 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 995 DUCKERS RD, MIDWAY, KY 40347-9759 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Title Company | HIGH STREET TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0M1649/451 |
|---|---|
| Date | Feb 21, 2022 |
| Book Page | M1649/451 |
| Instrument | 657511 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 20, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 995 DUCKERS RD, MIDWAY, KY 40347-9759 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1487/340 |
|---|---|
| Date | Apr 25, 2019 |
| Book Page | M1487/340 |
| Instrument | 488055 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 12, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Sep 4, 2020 |
| Property Address | 995 DUCKERS RD, MIDWAY, KY 40347-9759 |
| Document Number | D596/172 |
| Book / Page | D596 / 172 |
| Map Reference | CAB E SL 657 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 509755 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1300 LANES MILL RD, 1300, LAWRENCEBURG, KY 40342-9079 |
| Name | Verified Name |
|---|---|
| Address | 995 DUCKERS RD, MIDWAY, KY 40347-9759 |
| Document Number | 509756 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 509756 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Aug 14, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Jun 1, 2018 |
| Property Address | 995 DUCKERS RD, MIDWAY, KY 40347-9759 |
| Document Number | D577/710 |
| Book / Page | D577 / 710 |
| Map Reference | CAB E SL87 |
| Instrument Date | May 25, 2018 |
| Instrument | 474876 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Title Company | RAINBOW TITLE COMPANY, RAINBOW TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 200 TWIN PINES LN, 200, FRANKFORT, KY 40601-7644 |
| Name | Verified Name |
|---|---|
| Address | 995 DUCKERS RD, FRANKFORT, KY 40601 |
| Document Number | 474877 |
|---|---|
| Date | Jun 1, 2018 |
| Instrument | 474877 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jun 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,538.00 (+0.27%) | $378,800 (-) Land $68,800 Building $310,000 | $378,800 (-) Land $68,800 Building $310,000 |
| 2023 | $4,526.00 | $378,800 | $378,800 |
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 December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | Direct burnable vegetation |
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 | FRANKFORT PLANT BOARD serves 52,153 people · EPA ID KY0370143 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | 2 ppb (2023–2025) 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) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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