112 Hard Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 112 Hard Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 2000
Lot Size	1.67 acres (72,745 sqft)
Owner	Individual Name on File
Last Sale	$417,900 (Oct 2026)
Tax Bill	$2,933 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jun 2012 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06C-03-003`

Property Details

APN / Parcel Number

Primary APN	`06C-03-003`
Alternative APN	`22006`

Interior

Stories	1 Story

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Lot Area	72,745 sqft (1.67 acres)
Garage Type	Attached

Location & Zoning

Account Number	22006
Street Address	112 HARD DR
City	LANCASTER
State	KY
Zip	40444-8503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3
Legal Subdivision	LAKE VALLEY
Legal Lot Number	3
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	1
Census Block	1002
Census Tract	970102

Owner

112 Hard Dr is owned and occupied by an individual who bought it in October 2026.

Source: Garrard County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 124, LANCASTER, KY 40444-0124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Oct 9, 2026	Warranty Deed, Transfer · FHA Mortgage PLANET HOME LENDING
Jun 14, 2012	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jun 1, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRST LIBERTY FINANCIAL GROUP LLC
Oct 3, 2013	Deed of Trust, Mortgage U.S. BANK NATIONAL ASSOCIATION
Jul 17, 2007	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jul 18, 2013	Deed of Trust, Mortgage · Conventional Mortgage U.S. BANK NATIONAL ASSOCIATION
May 21, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2026 · Amount on File
Deed Sale	Oct 9, 2026 · Amount on File
Deed Document Number	2026223278
Deed Book / Page	339 / 649
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 9, 2026
Property Address	112 HARD DR, LANCASTER, KY 40444-8503
Document Number	0000223278
Book / Page	339 / 649
Instrument Date	Oct 9, 2026
Instrument	2026223278
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	TRUE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42,207.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000223283,
Date	Oct 9, 2026
Instrument	2026223283

Lender

Name	PLANET HOME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	112 HARD DR, LANCASTER, KY 40444-8503
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000315/390
Date	Jun 14, 2012
Book Page	315/390
Instrument	112414

Lender

Name	US BANK NA ND
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	May 15, 2027

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	112 HARD DR, LANCASTER, KY 40444-8503
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M292/412
Date	Jun 1, 2009
Book Page	M292/412
Instrument	99633

Lender

Name	FIRST LIBERTY FINANCIAL GROUP LLC
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2024

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	112 HARD DR, LANCASTER, KY 40444-8503
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000327/402
Date	Oct 3, 2013
Book Page	327/402
Instrument	118162

Lender

Name	U.S. BANK NATIONAL ASSOCIATION
Address	425 WALNUT ST, CINCINNATI, OH 45202

Agreement

Amount	Amount on Record
Term	299 Months
Due	Sep 13, 2038

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	112 HARD DR, LANCASTER, KY 40444-8503
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M275/867
Date	Jul 17, 2007
Book Page	M275/867
Instrument	90805

Lender

Name	US BANK NA ND
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jun 12, 2017

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	112 HARD DR, LANCASTER, KY 40444-8503
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000325/660
Date	Jul 18, 2013
Book Page	325/660
Instrument	117251

Lender

Name	U.S. BANK NATIONAL ASSOCIATION
Type	Seller
Address	425 WALNUT ST, CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jun 25, 2023

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	May 21, 2020
Property Address	112 HARD DR, LANCASTER, KY 40444-8503
Document Number	00D303/209
Book / Page	D303 / 209
Map Reference	DB 196 PG 596
Instrument Date	May 19, 2020
Instrument	157177
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$280.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 HARD DR, LANCASTER, KY 40444-8503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	360 RUSSELL CEMETERY RD, PARKSVILLE, KY 40464-9081

Tax Assessment & Valuation

The 2025 property tax bill for 112 Hard Dr was $2,933 with a homeowner's exemption, 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		$285,000 (-) Land $50,000 Building $235,000	$285,000 (-) Land $50,000 Building $235,000
2025	$2,933.00 (-0.48%)	$285,000 (-) Land $50,000 Building $235,000	$285,000 (-) Land $50,000 Building $235,000
2024	$2,947.00 (-2.84%)	$285,000 (-) Land $50,000 Building $235,000	$285,000 (-) Land $50,000 Building $235,000
2023	$3,033.00 (+0.83%)	$285,000 (+1.79%) Land $50,000 Building $235,000	$285,000 (+1.79%) Land $50,000 Building $235,000
2022	$3,008.00	$280,000 Land $50,000 Building $230,000	$280,000 Land $50,000 Building $230,000

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

Flood

FEMA maps place 112 Hard Dr 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	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

Wildfire risk around 112 Hard Dr 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL	100 / 3
kywimax Fixed Wireless · not low latency	25 / 5
T-Mobile Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3

May also be available: Spectrum.

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