Garrard County property record for 114 Ridgeway Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · built 1976 |
| Lot Size | 0.171 acres (7,455 sqft) |
| Owner | Company Name on Record |
| Last Sale | $62,830 (Sep 2007) |
| Tax Bill | $780 (2025) |
| Deeds & Mortgages | Jun 2025 Mortgage Dec 2008 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L3-20-101 |
| Primary APN | L3-20-101 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,455 sqft (0.171 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 24539 |
|---|---|
| Street Address | RIDGEWAY DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Legal Subdivision | LAYTON |
| Legal Lot Number | 3&4 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2014 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 716 S MAIN ST, NICHOLASVILLE, KY 40356-1852 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 8, 2008 | Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING |
| Jul 24, 2023 | Deed, Transfer |
| Sep 29, 2007 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2007 · Amount on Record |
| Deed Sale | Sep 29, 2007 · Amount on Record |
| Deed Document Number | 200791698 |
| Deed Book / Page | 246 / 570 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | RIDGEWAY DR, LANCASTER, KY 40444 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 716 S MAIN ST, NICHOLASVILLE, KY 40356-1852 |
| Document Number | 00M458/693 |
|---|---|
| Date | Jun 11, 2025 |
| Book Page | M458/693 |
| Instrument | 195457 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | RIDGEWAY DR, LANCASTER, KY 40444 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M288/480 |
|---|---|
| Date | Dec 8, 2008 |
| Book Page | M288/480 |
| Instrument | 97766 |
| Name | PRIMELENDING |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 24, 2023 |
| Property Address | RIDGEWAY DR, LANCASTER, KY 40444 |
| Document Number | 00D322/243 |
| Book / Page | D322 / 243 |
| Map Reference | DB 83 PG 614 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 177099 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 275 MOCKINGBIRD LN, IRVINE, KY 40336-9120 |
| Name | Verified Name |
|---|---|
| Address | 716 S MAIN ST, NICHOLASVILLE, KY 40356-1852 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 29, 2007 |
| Property Address | RIDGEWAY DR, LANCASTER, KY 40444 |
| Document Number | 00D246/570 |
| Book / Page | D246 / 570 |
| Instrument Date | Sep 27, 2007 |
| Instrument | 91698 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $63.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1521 RICHMOND RD, LANCASTER, KY 40444-7493 |
| Name | Verified Name |
|---|---|
| Address | 114 RIDGEWAY DR, LANCASTER, KY 40444-1144 |
| Investor | Possibly a Property Investor |
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 | $70,000 (-) Land $20,000 Building $50,000 | $70,000 (-) Land $20,000 Building $50,000 | |
| 2025 | $780.00 (-0.51%) | $70,000 (-) Land $20,000 Building $50,000 | $70,000 (-) Land $20,000 Building $50,000 |
| 2024 | $784.00 (+36.35%) | $70,000 (+4%) Land $20,000 Building $50,000 | $70,000 (+4%) Land $20,000 Building $50,000 |
| 2023 | $575.00 (-0.86%) | $50,000 (-) Land $15,000 Building $35,000 | $50,000 (-) Land $15,000 Building $35,000 |
| 2022 | $580.00 | $50,000 Land $15,000 Building $35,000 | $50,000 Land $15,000 Building $35,000 |
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 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.
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 213 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 |
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