Garrard County property record for 109 Ruston Rd, Lancaster, KY 40444 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 1985 |
| Lot Size | 0.463 acres (20,189 sqft) |
| Owner | Individual Name on File |
| Last Sale | $67,000 (May 2015) |
| Tax Bill | $1,226 (2025) |
| Deeds & Mortgages | Aug 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | L4-18-003 |
| Primary APN | L4-18-003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,189 sqft (0.463 acres) |
| Garage Type | Basement |
| Sewer | Connected |
|---|
| Account Number | 22203 |
|---|---|
| Street Address | 109 RUSTON RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-1284 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 & HOUSE |
| Legal Subdivision | RIDGEFIELD |
| Legal Lot Number | 3 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 970300 |
Source: Garrard County records · APN L4-18-003
Assessment roll updated May 5, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 109 RUSTON RD, LANCASTER, KY 40444-1284 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 11, 2015 · Amount on Record |
| Deed Sale | May 11, 2015 · Amount on Record |
| Deed Document Number | 2015125096 |
| Deed Book / Page | 278 / 813 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Aug 05, 2020 |
| Property Address | 109 RUSTON RD, LANCASTER, KY 40444-1284 |
| Document Number | 00D304/664 |
| Book / Page | D304 / 664 |
| Map Reference | DB 279 PG 93 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 158187 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $101.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1847 DANVILLE RD, 1847, LANCASTER, KY 40444-9339 |
| Name | Verified Name |
|---|---|
| Address | 109 RUSTON RD, LANCASTER, KY 40444-1284 |
Source: Garrard County records · Assessment roll updated May 5, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Municipality | Lancaster City |
| Unified School District | Garrard County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,226.00 (-0.49%) | $110,000 (-) Land $20,000 Building $90,000 | $110,000 (-) Land $20,000 Building $90,000 |
| 2024 | $1,232.00 (+6.12%) | $110,000 (+8.91%) Land $20,000 Building $90,000 | $110,000 (+8.91%) Land $20,000 Building $90,000 |
| 2023 | $1,161.00 (-0.85%) | $101,000 (-) Land $20,000 Building $81,000 | $101,000 (-) Land $20,000 Building $81,000 |
| 2022 | $1,171.00 | $101,000 Land $20,000 Building $81,000 | $101,000 Land $20,000 Building $81,000 |
Source: FEMA National Flood Hazard Layer, Garrard County (21079C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210799703002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2015, rainfall accumulation |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 201 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Uniti Group | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
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