Garrard County property record for 104 Sutton Ln, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | built 2002 |
| Lot Size | 15.7 acres (687,551 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $583,800 (Jul 2026) |
| Tax Bill | $3,654 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11B-01-032.01 |
| Primary APN | 11B-01-032.01 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 687,551 sqft (15.7 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 20961 |
|---|---|
| Street Address | 104 SUTTON LN |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 970102 |
Source: Garrard County assessment roll, as of May 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 SUTTON LN, LANCASTER, KY 40444-7323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on Record |
| Deed Sale | Jul 2, 2026 · Amount on Record |
| Prior Sale | Jan 4, 2019 · Amount on Record |
| Deed Document Number | 2026217083 |
| Deed Book / Page | 337 / 865 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 2, 2026 |
| Property Address | 104 SUTTON LN, LANCASTER, KY 40444-7323 |
| Document Number | 0000217083 |
| Book / Page | 337 / 865 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026217083 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Title Company | TRUE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $58,963.80 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 104 SUTTON LN, LANCASTER, KY 40444-7323 |
| Document Number | 0000217087, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 2026217087 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,654.00 (+404.7%) | $355,000 (+407.14%) Land $50,000 Building $305,000 | $355,000 (+407.14%) Land $50,000 Building $305,000 |
| 2024 | $724.00 (-2.82%) | $70,000 (-) Land $50,000 Building $20,000 | $70,000 (-) Land $50,000 Building $20,000 |
| 2023 | $745.00 (-0.93%) | $70,000 (-) Land $50,000 Building $20,000 | $70,000 (-) Land $50,000 Building $20,000 |
| 2022 | $752.00 | $70,000 Land $50,000 Building $20,000 | $70,000 Land $50,000 Building $20,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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 |
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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| 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 | 1 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 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Uniti Group DSL · Fiber in parts of the area | 200 / 20 |
| Broadband on Demand Fixed Wireless · not low latency | 25 / 5 |
May also be available: AT&T.
5G (outdoors only) and 4G LTE
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