Simpson County property record for 995 Roark Rd, Franklin, KY 42134
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,610 sqft · built 1990 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,000 (Jan 2023) |
| Tax Bill | $1,841 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Sep 2023 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-00-00-064.00 |
| Primary APN | 047-00-00-064.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,610 sqft Living Area |
| Basement Area | 1,208 sqft |
| Finished Basement | 1,208 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Detached |
| Garage Area | 1,380 sqft |
| Driveway | Asphalt Driveway |
| Porch | Slab |
| Porch Area | 560 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Street Address | 995 ROARK RD |
|---|---|
| City | FRANKLIN |
| State | KY |
| Zip | 42134-7181 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 995 ROARK ROAD |
| Jurisdiction | SIMPSON KY |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 970200 |
995 Roark Rd is owned and occupied by an individual who acquired it in April 2024.
Source: Simpson County records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| 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 |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · VA Mortgage SOUTH CENTRAL BANK |
| Sep 12, 2023 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 5, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 26, 2024 | Intrafamily Transfer, Transfer |
| Jan 5, 2023 | Intrafamily Transfer, Transfer · Line of Credit US BANK NA |
| Oct 31, 2018 | Deed, Transfer · VA Mortgage SOUTH CENTRAL BANK |
| Oct 31, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 2023 · Amount on File |
| Deed Sale | Jan 5, 2023 · Amount on File |
| Prior Sale | Oct 31, 2018 · Amount on File |
| Deed Document Number | 20231212649 |
| Deed Book / Page | 370 / 216 |
| Last Transfer Date | Apr 26, 2024 |
| Transfer Doc | 0001223502 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC |
| Name | Verified Name |
|---|
| Document Number | 00M487/700 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | M487/700 |
| Instrument | 1200585 |
| Name | SOUTH CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | GLASGOW, KY 42141 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Document Number | 000D375/87 |
|---|---|
| Date | Sep 12, 2023 |
| Book Page | D375/87 |
| Instrument | 1218428 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 329 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SIMPSON KY |
| Property Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Document Number | 00M528/713 |
|---|---|
| Date | Jan 5, 2023 |
| Book Page | M528/713 |
| Instrument | 1212638 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 26, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Apr 26, 2024 |
| Property Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Document Number | 00D379/573 |
| Book / Page | D379 / 573 |
| Instrument Date | Apr 20, 2024 |
| Instrument | 1223503 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 200 N MAIN ST, FRANKLIN, KY 42134-1839 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 995 ROARK RD # 4, 4, FRANKLIN, KY 42134-7181 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Jan 5, 2023 |
| Property Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Document Number | 00D370/216 |
| Book / Page | D370 / 216 |
| Instrument Date | Jan 5, 2023 |
| Instrument | 1212649 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1719 BARLEY WAY, BOWLING GREEN, KY 42104-4459 |
| Name | Verified Name |
|---|---|
| Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Document Number | 0001212638 |
|---|---|
| Date | Jan 5, 2023 |
| Instrument | 1212638 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 26, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Oct 31, 2018 |
| Property Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Document Number | 00D337/777 |
| Book / Page | D337 / 777 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 1188940 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $259.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 3021, FRANKLIN, KY 42135-3021 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 207 WILSON WAY, FRANKLIN, KY 42134-5023 |
| Document Number | 0001188941 |
|---|---|
| Date | Oct 31, 2018 |
| Instrument | 1188941 |
| Name | SOUTH CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SIMPSON KY |
| Recording Date | Oct 31, 2018 |
| Property Address | 995 ROARK RD, FRANKLIN, KY 42134-7181 |
| Document Number | D337/777 |
| Book / Page | D337 / 777 |
| Map Reference | DB 296 PG 669 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 1188940 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $259.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 3021, FRANKLIN, KY 42135-3021 |
| Name | Verified Name |
|---|---|
| Address | 207 WILSON WAY, FRANKLIN, KY 42134-5023 |
The 2025 property tax bill for 995 Roark Rd was $1,841 with a homeowner's exemption, down 2.1% from the year before.
Source: Simpson County assessment roll, as of February 2, 2026
| 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 | $1,841.00 (-2.13%) Homeowner's exemption | $259,000 (-) | $259,000 (-) |
| 2024 | $1,881.00 (-4.95%) Homeowner's exemption | $259,000 (-) | $259,000 (-) |
| 2023 | $1,979.00 Homeowner's exemption | $259,000 | $259,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 995 Roark Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.
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.
Wildfire risk around 995 Roark Rd 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 | 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 | 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 22 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 |
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