Garrard County property record for 116 Colony Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | built 1952 |
| Lot Size | 0.213 acres (9,285 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Sep 2021) |
| Tax Bill | $1,394 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Sep 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L3-21-093 |
| Primary APN | L3-21-093 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,285 sqft (0.213 acres) |
| Garage Type | Attached |
| Sewer | Connected |
|---|
| Account Number | 23465 |
|---|---|
| Street Address | 116 COLONY RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-1304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Legal Subdivision | MORROW ADDITION |
| Legal Lot Number | 1 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 970201 |
116 Colony Rd is owned and occupied by an individual who bought it in September 2021.
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 File |
|---|---|
| Mailing Address | 116 COLONY RD, LANCASTER, KY 40444-1304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2025 | Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Sep 10, 2021 | Warranty Deed, Transfer |
| Nov 7, 2013 | Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES, LLC DBA B |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2021 · Amount on File |
| Deed Sale | Sep 10, 2021 · Amount on File |
| Prior Sale | Nov 7, 2013 · Amount on File |
| Deed Document Number | 2021164348 |
| Deed Book / Page | 311 / 820 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Aug 15, 2025 |
| Property Address | 116 COLONY RD, LANCASTER, KY 40444-1304 |
| Document Number | 00D333/374 |
| Book / Page | D333 / 374 |
| Map Reference | MB 74 PG 367 |
| Instrument Date | Aug 15, 2025 |
| Instrument | 197615 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2760 SUTTON LN, LANCASTER, KY 40444-8284 |
| Name | Verified Name |
|---|---|
| Address | 126 WOODLAND AVE, LANCASTER, KY 40444-1324 |
| Document Number | 0000197619 |
|---|---|
| Date | Aug 15, 2025 |
| Instrument | 197619 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 10, 2021 |
| Property Address | 116 COLONY RD, LANCASTER, KY 40444-1304 |
| Document Number | 00D311/820 |
| Book / Page | D311 / 820 |
| Map Reference | DB 74 PG 367 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 164348 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 116 COLONY RD, LANCASTER, KY 40444-1304 |
| Name | Verified Name |
|---|---|
| Address | 116 COLONY RD, LANCASTER, KY 40444-1304 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Nov 7, 2013 |
| Property Address | 116 COLONY RD, LANCASTER, KY 40444-1304 |
| Document Number | 000272/775 |
| Book / Page | 272 / 775 |
| Instrument Date | Oct 31, 2013 |
| Instrument | 118674 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 82, LANCASTER, KY 40444-0082 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 116 COLONY RD, LANCASTER, KY 40444-1304 |
| Document Number | 000328/119 |
|---|---|
| Date | Nov 7, 2013 |
| Book Page | 328/119 |
| Instrument | 118675 |
| Name | ARK-LA-TEX FINANCIAL SERVICES, LLC DBA B |
|---|---|
| Type | Seller |
| Address | 5160 TENNYSON PKWY STE 2000W, PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2043 |
The 2025 property tax bill for 116 Colony Rd was $1,394, down 0.4% from the year before.
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 | $125,000 (-) Land $25,000 Building $100,000 | $125,000 (-) Land $25,000 Building $100,000 | |
| 2025 | $1,394.00 (-0.43%) | $125,000 (-) Land $25,000 Building $100,000 | $125,000 (-) Land $25,000 Building $100,000 |
| 2024 | $1,400.00 (-2.57%) | $125,000 (-) Land $25,000 Building $100,000 | $125,000 (-) Land $25,000 Building $100,000 |
| 2023 | $1,437.00 (-0.9%) | $125,000 (-) Land $25,000 Building $100,000 | $125,000 (-) Land $25,000 Building $100,000 |
| 2022 | $1,450.00 | $125,000 Land $25,000 Building $100,000 | $125,000 Land $25,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 116 Colony Rd 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 risk around 116 Colony Rd is low, with a 0.03% 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 | 0.03% 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 135 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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