Garrard County property record for 116 Ronclar Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | built 2024 |
| Lot Size | 4.64 acres (202,206 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,962 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Apr 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-03.06 |
| Primary APN | 03-03.06 |
|---|---|
| Alternative APNs |
|
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Lot Area | 202,206 sqft (4.64 acres) |
| Account Number | 21572 |
|---|---|
| Street Address | 116 RONCLAR DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7387 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 4.642 AC |
| Legal Subdivision | MINOR PLAT OF RONNIE LANE |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 970101 |
116 Ronclar Dr, a single family home, is owned by an individual.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2997 KENNEDY BRIDGE RD, LANCASTER, KY 40444-8084 |
| 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.
| Date | Document |
|---|---|
| May 21, 2024 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Apr 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 116 RONCLAR DR, LANCASTER, KY 40444-7387 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2997 KENNEDY BRIDGE RD, LANCASTER, KY 40444-8084 |
| Document Number | 00M445/829 |
|---|---|
| Date | May 21, 2024 |
| Book Page | M445/829 |
| Instrument | 184941 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 116 RONCLAR DR, LANCASTER, KY 40444-7387 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 116 RONCLAR DR, LANCASTER, KY 40444-7387 |
| Document Number | 00M456/332 |
|---|---|
| Date | Apr 10, 2025 |
| Book Page | M456/332 |
| Instrument | 193450 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Max Rate | 12% |
The 2025 property tax bill for 116 Ronclar Dr was $3,962, up 597.5% from the year before.
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $385,000 (-) Land $55,000 Building $330,000 | $385,000 (-) Land $55,000 Building $330,000 | |
| 2025 | $3,962.00 (+597.54%) | $385,000 (+6%) Land $55,000 Building $330,000 | $385,000 (+6%) Land $55,000 Building $330,000 |
| 2024 | $568.00 (+6.97%) | $55,000 (+10.22%) Land $55,000 | $55,000 (+10.22%) Land $55,000 |
| 2023 | $531.00 | $49,900 Land $49,900 | $49,900 Land $49,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 116 Ronclar Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 11 (2021–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 Ronclar 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 1,000 / 1,000 |
4G LTE only, no 5G reported
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