109 Edwards Ct, Lancaster, KY 40444 Property Records

Garrard County property record for 109 Edwards Ct, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 1999
Lot Size	1.48 acres (64,816 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Feb 2026)
Tax Bill	$2,429 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`11A-01-035`

Property Details

APN / Parcel Number

Primary APN	`11A-01-035`
Alternative APN	`20637`

Interior

Stories	1 Story

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	64,816 sqft (1.48 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	20637
Street Address	109 EDWARDS CT
City	LANCASTER
State	KY
Zip	40444-9783
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 PC 2-680
Legal Subdivision	BRIGHT LEAF
Legal Lot Number	35
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3001
Census Tract	970102

Owner

109 Edwards Ct is owned and occupied by an individual who bought it in February 2026.

Source: Garrard County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	109 EDWARDS CT, LANCASTER, KY 40444-9783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC
Jan 24, 2019	Warranty Deed, Transfer EXECUTIVE TITLE OREM, EXECUTIVE TITLE COMPNAY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2026 · Amount on File
Deed Sale	Feb 5, 2026 · Amount on File
Prior Sale	Jan 24, 2019 · Amount on File
Deed Document Number	2026203773
Deed Book / Page	335 / 776
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Feb 5, 2026
Property Address	109 EDWARDS CT, LANCASTER, KY 40444-9783
Document Number	00D335/776
Book / Page	D335 / 776
Map Reference	CAB 2 SL 680
Instrument Date	Jan 23, 2026
Instrument	203773
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	LAND GROUP TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 S HOMESTEAD LN, LANCASTER, KY 40444-8262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 EDWARDS CT, LANCASTER, KY 40444-9783

Mortgage

Document Number	0000203774
Date	Feb 5, 2026
Instrument	203774

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Jan 24, 2019
Property Address	109 EDWARDS CT, LANCASTER, KY 40444-9783
Document Number	00D296/880
Book / Page	D296 / 880
Map Reference	CAB 2 SL 680
Instrument Date	Jan 18, 2019
Instrument	144870
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	EXECUTIVE TITLE OREM, EXECUTIVE TITLE COMPNAY

Transaction

Amount	Amount on Record
Tax	$236.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 EDWARDS CT, 109, LANCASTER, KY 40444-9783

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 EDWARDS CT, LANCASTER, KY 40444-9783

Tax Assessment & Valuation

The 2025 property tax bill for 109 Edwards Ct was $2,429, down 0.5% from the year before.

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		$236,000 (-) Land $35,000 Building $201,000	$236,000 (-) Land $35,000 Building $201,000
2025	$2,429.00 (-0.45%)	$236,000 (-) Land $35,000 Building $201,000	$236,000 (-) Land $35,000 Building $201,000
2024	$2,440.00 (-2.83%)	$236,000 (-) Land $35,000 Building $201,000	$236,000 (-) Land $35,000 Building $201,000
2023	$2,511.00 (-0.95%)	$236,000 (-) Land $35,000 Building $201,000	$236,000 (-) Land $35,000 Building $201,000
2022	$2,535.00	$236,000 Land $35,000 Building $201,000	$236,000 Land $35,000 Building $201,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Edwards Ct in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 109 Edwards Ct is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	200 / 20
Verizon Fixed Wireless	25 / 6
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: T-Mobile.

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