Garrard County property record for 105 Cowden Ct, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · built 1948 |
| Lot Size | 0.288 acres (12,553 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $110,000 (Apr 2023) |
| Tax Bill | $1,226 (2025) |
| Deeds & Mortgages | Apr 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | L3-21-063 |
| Primary APN | L3-21-063 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,553 sqft (0.288 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 24817 |
|---|---|
| Street Address | 105 COWDEN CT |
| City | LANCASTER |
| State | KY |
| Zip | 40444-1328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Legal Subdivision | MORROW |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 970201 |
Source: Garrard County records, as of October 20, 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 | 105 COWDEN CT, LANCASTER, KY 40444-1328 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2023 · Amount on Record |
| Deed Sale | Apr 3, 2023 · Amount on Record |
| Prior Sale | Apr 29, 2011 |
| Deed Document Number | 2023174973 |
| Deed Book / Page | 320 / 535 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 3, 2023 |
| Property Address | 105 COWDEN CT, LANCASTER, KY 40444-1328 |
| Document Number | 00D320/535 |
| Book / Page | D320 / 535 |
| Map Reference | DB 67 PG 250 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 174973 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $110.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 HENSON AVE, DANVILLE, KY 40422-2221 |
| Name | Verified Name |
|---|---|
| Address | 105 COWDEN CT, LANCASTER, KY 40444-1328 |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Municipality | Lancaster City |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $110,000 (-) Land $25,000 Building $85,000 | $110,000 (-) Land $25,000 Building $85,000 | |
| 2025 | $1,226.00 (-0.49%) | $110,000 (-) Land $25,000 Building $85,000 | $110,000 (-) Land $25,000 Building $85,000 |
| 2024 | $1,232.00 (+584.44%) | $110,000 (+77.42%) Land $25,000 Building $85,000 | $110,000 (+77.42%) Land $25,000 Building $85,000 |
| 2023 | $180.00 (-27.71%) Homeowner's exemption | $62,000 (-) Land $20,000 Building $42,000 | $62,000 (-) Land $20,000 Building $42,000 |
| 2022 | $249.00 Homeowner's exemption | $62,000 Land $20,000 Building $42,000 | $62,000 Land $20,000 Building $42,000 |
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 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 | 1 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 |
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 | LANCASTER WATER WORKS serves 4,573 people · EPA ID KY0400233 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 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 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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