Garrard County property record for 109 Pine Hill Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 1982 |
| Lot Size | 0.393 acres (17,131 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $152,500 (Dec 2014) |
| Tax Bill | $1,459 (2025) |
| Deeds & Mortgages | Sep 2007 Line of Credit Sep 2007 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L1-02-005 |
| Primary APN | L1-02-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,131 sqft (0.393 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 22515 |
|---|---|
| Street Address | 109 PINE HILL DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-1048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Legal Subdivision | TEATER BROS. |
| Legal Lot Number | 49 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 970201 |
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 PINE HILL DR, LANCASTER, KY 40444-1048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2007 | Deed of Trust, Mortgage · Line of Credit CENTRAL KENTUCKY FEDERAL SAVINGS BANK |
| Sep 13, 2007 | Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB |
| Dec 22, 2020 | Deed, Transfer |
| Dec 22, 2014 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2014 · Amount on Record |
| Deed Sale | Dec 22, 2014 · Amount on Record |
| Deed Document Number | 2014123712 |
| Deed Book / Page | 277 / 389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 109 PINE HILL DR, LANCASTER, KY 40444-1048 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 PINE HILL DR, LANCASTER, KY 40444-1048 |
| Document Number | 00M277/255 |
|---|---|
| Date | Sep 10, 2007 |
| Book Page | M277/255 |
| Instrument | 91435 |
| Name | CENTRAL KENTUCKY FEDERAL SAVINGS BANK |
|---|---|
| Address | LANCASTER, KY 40444 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 10, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 109 PINE HILL DR, LANCASTER, KY 40444-1048 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M277/389 |
|---|---|
| Date | Sep 13, 2007 |
| Book Page | M277/389 |
| Instrument | 91479 |
| Name | COUNTRYWIDE BANK FSB |
|---|---|
| Address | ALEXANDRIA, VA 22314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 22, 2020 |
| Property Address | 109 PINE HILL DR, LANCASTER, KY 40444-1048 |
| Document Number | 000D307/56 |
| Book / Page | D307 / 56 |
| Map Reference | DB 277 PG 389 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 159945 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $178.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 630 GWINN ISLAND RD, DANVILLE, KY 40422-8611 |
| Name | Verified Name |
|---|---|
| Address | 454 LEXINGTON ST, LANCASTER, KY 40444-2076 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 22, 2014 |
| Property Address | 109 PINE HILL DR, LANCASTER, KY 40444-1048 |
| Document Number | 00D277/389 |
| Book / Page | D277 / 389 |
| Instrument Date | Dec 22, 2014 |
| Instrument | 123712 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $152.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 801 LEXINGTON RD, LANCASTER, KY 40444-9001 |
| Name | Verified Name |
|---|---|
| Address | 109 PINE HILL DR, LANCASTER, KY 40444-1048 |
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 | $180,000 (-) Land $25,000 Building $155,000 | $180,000 (-) Land $25,000 Building $155,000 | |
| 2025 | $1,459.00 (-2.54%) Homeowner's exemption | $180,000 (-) Land $25,000 Building $155,000 | $180,000 (-) Land $25,000 Building $155,000 |
| 2024 | $1,497.00 (-26.87%) Homeowner's exemption | $180,000 (+1.12%) Land $25,000 Building $155,000 | $180,000 (+1.12%) Land $25,000 Building $155,000 |
| 2023 | $2,047.00 (-0.87%) | $178,000 (-) Land $30,000 Building $148,000 | $178,000 (-) Land $30,000 Building $148,000 |
| 2022 | $2,065.00 | $178,000 Land $30,000 Building $148,000 | $178,000 Land $30,000 Building $148,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 214 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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