114 Cleo Ave, Lancaster, KY 40444 Property Records

Garrard County property record for 114 Cleo Ave, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · built 2002
Lot Size	1.64 acres (71,830 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Dec 2018)
Tax Bill	$2,119 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`12-25.042`

Property Details

APN / Parcel Number

Primary APN	`12-25.042`
Alternative APN	`20550`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	71,830 sqft (1.64 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	20550
Street Address	114 CLEO AVE
City	LANCASTER
State	KY
Zip	40444-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 CAMP DICK ACRES
Legal Subdivision	CAMP DICK ACRES
Legal Lot Number	42
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2035
Census Tract	970102

Owner

114 Cleo Ave is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	114 CLEO AVE, LANCASTER, KY 40444-9365
Occupancy	Owner Occupied
Owner Type	Individual

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 10, 2025	Deed of Trust, Mortgage · Line of Credit THE FARMERS NATIONAL BANK OF DANVILLE
Dec 4, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2018 · Amount on File
Deed Sale	Dec 4, 2018 · Amount on File
Prior Sale	May 6, 2015 · Amount on File
Deed Document Number	2018144398
Deed Book / Page	296 / 454
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	114 CLEO AVE, LANCASTER, KY 40444-9365
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M463/490
Date	Oct 10, 2025
Book Page	M463/490
Instrument	200113

Lender

Name	THE FARMERS NATIONAL BANK OF DANVILLE
Type	Bank
Address	DANVILLE, KY 40422

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Nov 3, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 4, 2018
Property Address	114 CLEO AVE, LANCASTER, KY 40444-9365
Document Number	00D296/454
Book / Page	D296 / 454
Map Reference	DB 278 PG 738
Instrument Date	Dec 3, 2018
Instrument	144398
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 CLEO AVE, 114, LANCASTER, KY 40444-9365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 CLEO AVE, LANCASTER, KY 40444-9365

Tax Assessment & Valuation

The 2025 property tax bill for 114 Cleo Ave was $2,119 with a homeowner's exemption, down 1.8% 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		$255,000 (-) Land $30,000 Building $225,000	$255,000 (-) Land $30,000 Building $225,000
2025	$2,119.00 (-1.81%) Homeowner's exemption	$255,000 (+2%) Land $30,000 Building $225,000	$255,000 (+2%) Land $30,000 Building $225,000
2024	$2,158.00 (-2.79%) Homeowner's exemption	$250,000 (-) Land $30,000 Building $220,000	$250,000 (-) Land $30,000 Building $220,000
2023	$2,220.00 (-1.29%) Homeowner's exemption	$250,000 (+2.08%) Land $30,000 Building $220,000	$250,000 (+2.08%) Land $30,000 Building $220,000
2022	$2,249.00 Homeowner's exemption	$244,900 Land $30,000 Building $214,900	$244,900 Land $30,000 Building $214,900

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

Flood

FEMA maps place 114 Cleo Ave 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 114 Cleo Ave 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 57 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 · Fiber in parts of the area	200 / 20
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: AT&T.

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