109 Brooks Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 109 Brooks Ln, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba
Lot Size	0.617 acres (26,914 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Dec 2025)
Tax Bill	$308 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B-01-002`

Property Details

APN / Parcel Number

Primary APN	`B-01-002`
Alternative APN	`22765`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story

Exterior

Exterior Material	Aluminum Siding
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,914 sqft (0.617 acres)

Utilities, Heating & Cooling

Heating System	Other
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	22765
Street Address	109 BROOKS LN
City	LANCASTER
State	KY
Zip	40444-7574
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	1
Census Block	1017
Census Tract	970101

Owner

Source: Garrard County records, as of September 23, 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 Record
Mailing Address	109 CAMMY CT, NICHOLASVILLE, KY 40356-1503
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Mar 9, 2021	Intrafamily Transfer, Transfer
Sep 7, 2017	Deed, Transfer
Sep 7, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Aug 3, 2022 · Amount on Record
Deed Document Number	202544
Deed Book / Page	335 / 316
Prior Transfer Date	Dec 22, 2025
Prior Transfer Doc	0000000044
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Apr 15, 2026
Property Address	109 BROOKS LN, LANCASTER, KY 40444-7574
Document Number	0000214007
Book / Page	470 / 478
Instrument Date	Apr 15, 2026
Instrument	2026214007
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 MYERS CT, LANCASTER, KY 40444-1020

Mortgage

Document Number	0000214007,
Date	Apr 15, 2026
Book Page	470/478
Instrument	2026214007

Lender

Name	WHITAKER BANK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRARD KY
Recording Date	Mar 9, 2021
Property Address	109 BROOKS LN, LANCASTER, KY 40444-7574
Document Number	00D308/373
Book / Page	D308 / 373
Map Reference	DB 283 PG 816
Instrument Date	Mar 9, 2021
Instrument	160932
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 BROOKS LN, LANCASTER, KY 40444-7574

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BROOKS LN, LANCASTER, KY 40444-7574

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 7, 2017
Property Address	109 BROOKS LN, LANCASTER, KY 40444-7574
Document Number	000290/239
Book / Page	290 / 239
Instrument Date	Sep 1, 2017
Instrument	135838
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 BROOKS LN, LANCASTER, KY 40444-7574

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BROOKS LN, LANCASTER, KY 40444-7574
Investor	Possibly a Property Investor

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 7, 2017
Property Address	109 BROOKS LN, LANCASTER, KY 40444-7574
Document Number	000290/237
Book / Page	290 / 237
Instrument Date	Sep 1, 2017
Instrument	135837
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$13.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 LANE ALLEN RD, LEXINGTON, KY 40504-2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BROOKS LN, LANCASTER, KY 40444-7574
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,000 (-) Land $15,000 Building $15,000	$30,000 (-) Land $15,000 Building $15,000
2025	$308.00 (-3.45%)	$30,000 (-) Land $15,000 Building $15,000	$30,000 (-) Land $15,000 Building $15,000
2023	$319.00	$30,000 Land $15,000 Building $15,000	$30,000 Land $15,000 Building $15,000

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

Flood

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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 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

Cell Coverage

5G and 4G LTE (outdoors only)

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