106 Eastern Ave, Lancaster, KY 40444 Property Records

Garrard County property record for 106 Eastern Ave, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 2001
Lot Size	1.43 acres (62,681 sqft)
Owner	2 Individual Names on File
Last Sale	$367,000 (May 2026)
Tax Bill	$1,347 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11A-01-070`

Property Details

APN / Parcel Number

Primary APN	`11A-01-070`
Alternative APN	`7074`

Interior

Stories	1 Story

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,681 sqft (1.43 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	7074
Street Address	106 EASTERN AVE
City	LANCASTER
State	KY
Zip	40444-8918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT # 70 BRIGHT LEAF EST
Legal Subdivision	BRIGHT LEAF
Legal Lot Number	70
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3001
Census Tract	970102

Owner

Source: Garrard County assessment roll, APN 11A-01-070, as of May 5, 2026 · Last verified June 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	106 EASTERN AVE, LANCASTER, KY 40444-8918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Jun 28, 2013 · Amount on Record
Deed Document Number	2026215208
Deed Book / Page	337 / 69
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	May 13, 2026
Property Address	106 EASTERN AVE, LANCASTER, KY 40444-8918
Document Number	0000215208
Book / Page	337 / 69
Instrument Date	May 08, 2026
Instrument	2026.215208
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	TRUE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$37,067.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	106 EASTERN AVE, LANCASTER, KY 40444-8918

Mortgage

Document Number	0000215212,
Date	May 13, 2026
Instrument	2026.215212

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Garrard County assessment roll as of May 5, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,347.00 (-2.53%) Homeowner's exemption	$180,000 (-) Land $25,000 Building $155,000	$180,000 (-) Land $25,000 Building $155,000
2024	$1,382.00 (-2.81%) Homeowner's exemption	$180,000 (-) Land $25,000 Building $155,000	$180,000 (-) Land $25,000 Building $155,000
2023	$1,422.00 (-0.84%) Homeowner's exemption	$180,000 (+3.45%) Land $25,000 Building $155,000	$180,000 (+3.45%) Land $25,000 Building $155,000
2022	$1,434.00 Homeowner's exemption	$174,000 Land $26,000 Building $148,000	$174,000 Land $26,000 Building $148,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Garrard County (21079C), as of December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210799701023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection, 55 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0400151, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARRARD CO WATER ASSOC INC private · serves 14,806 people
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.