Garrard County property record for 112 Cottage Ave, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · built 1969 |
| Lot Size | 0.541 acres (23,568 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $153,000 (Jul 2023) |
| Tax Bill | $1,706 (2025) |
| Deeds & Mortgages | Aug 2025 Second Mortgage Jul 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L4-15-068 |
| Primary APN | L4-15-068 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 23,568 sqft (0.541 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 25028 |
|---|---|
| Street Address | 112 COTTAGE AVE |
| City | LANCASTER |
| State | KY |
| Zip | 40444-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & LOT 52 & 57 |
| Legal Subdivision | ROLLING MEADOWS |
| Legal Lot Number | 52&57 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 970300 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 124 EDWARDS RD, NICHOLASVILLE, KY 40356-8947 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 14, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jul 12, 2023 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Apr 13, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2023 · Amount on Record |
| Deed Sale | Jul 12, 2023 · Amount on Record |
| Prior Sale | Apr 13, 2022 · Amount on Record |
| Deed Document Number | 2023176885 |
| Deed Book / Page | 322 / 57 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 112 COTTAGE AVE, LANCASTER, KY 40444-1216 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 112 COTTAGE AVE, LANCASTER, KY 40444-1216 |
| Document Number | 000M461/22 |
|---|---|
| Date | Aug 14, 2025 |
| Book Page | M461/22 |
| Instrument | 197538 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 12, 2023 |
| Property Address | 112 COTTAGE AVE, LANCASTER, KY 40444-1216 |
| Document Number | 000D322/57 |
| Book / Page | D322 / 57 |
| Map Reference | DB 77 PG 175 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 176885 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $153.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19054 BROWN RD, CHERRYVALE, KS 67335-8527 |
| Name | Verified Name |
|---|---|
| Address | 124 EDWARDS RD, NICHOLASVILLE, KY 40356-8947 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 13, 2022 |
| Property Address | 112 COTTAGE AVE, LANCASTER, KY 40444-1216 |
| Document Number | 00D315/258 |
| Book / Page | D315 / 258 |
| Map Reference | DB 86 PG 196 |
| Instrument Date | Apr 7, 2022 |
| Instrument | 168652 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $133.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 HILL CT, LANCASTER, KY 40444-1126 |
| Name | Verified Name |
|---|---|
| Address | 112 COTTAGE AVE, LANCASTER, KY 40444-1216 |
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 | $153,000 (-) Land $27,000 Building $126,000 | $153,000 (-) Land $27,000 Building $126,000 | |
| 2025 | $1,706.00 (-0.47%) | $153,000 (-) Land $27,000 Building $126,000 | $153,000 (-) Land $27,000 Building $126,000 |
| 2024 | $1,714.00 (+12.1%) | $153,000 (+15.04%) Land $27,000 Building $126,000 | $153,000 (+15.04%) Land $27,000 Building $126,000 |
| 2023 | $1,529.00 | $133,000 Land $25,000 Building $108,000 | $133,000 Land $25,000 Building $108,000 |
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 · 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 Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes |
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: 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 | 0.04% 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 201 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures