118 Fields St, Lancaster, KY 40444 Property Records

Garrard County property record for 118 Fields St, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 1996
Lot Size	1.07 acres (46,931 sqft)
Owner	Individual on Record
Last Sale	$149,350 (May 2018)
Tax Bill	$2,058 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13A-01-014`

Property Details

APN / Parcel Number

Primary APN	`13A-01-014`
Alternative APN	`23657`

Interior

Stories	1 Story

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	46,931 sqft (1.07 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	23657
Street Address	118 FIELDS ST
City	LANCASTER
State	KY
Zip	40444-9595
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 & HOUSE
Legal Subdivision	COUNTRY AYR EST
Legal Lot Number	14
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	1
Census Block	1001
Census Tract	970102

Owner

Source: Garrard County assessment roll, as of May 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	118 FIELDS ST, LANCASTER, KY 40444-9595
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LNDG INC
Dec 16, 2021	Deed, Transfer
May 9, 2018	Deed, Transfer
Sep 2, 2014	Deed, Transfer
Apr 4, 2009	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2018 · Amount on Record
Deed Sale	May 9, 2018 · Amount on Record
Deed Document Number	2018138480
Deed Book / Page	293 / 576
Prior Transfer Date	Aug 18, 2014
Prior Transfer Doc	00D276/193
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Aug 6, 2026
Property Address	118 FIELDS ST, LANCASTER, KY 40444-9595
Document Number	0000219899
Book / Page	475 / 589
Instrument Date	Jul 23, 2026
Instrument	2026219899
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 FIELDS ST, LANCASTER, KY 40444-9595

Mortgage

Document Number	0000219899,
Date	Aug 6, 2026
Book Page	475/589
Instrument	2026219899

Lender

Name	ADVANTAGEFIRST LNDG INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 16, 2021
Property Address	118 FIELDS ST, LANCASTER, KY 40444-9595
Document Number	00D313/412
Book / Page	D313 / 412
Map Reference	DB 293 PG 576
Instrument Date	Dec 14, 2021
Instrument	166510
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 FIELDS ST, LANCASTER, KY 40444-9595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 FIELDS ST, LANCASTER, KY 40444-9595

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	May 9, 2018
Property Address	118 FIELDS ST, LANCASTER, KY 40444-9595
Document Number	000293/576
Book / Page	293 / 576
Instrument Date	Apr 30, 2018
Instrument	138480
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$149.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	797 CHENAULT BRIDGE RD, LANCASTER, KY 40444-9527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 FIELDS ST, LANCASTER, KY 40444-9595

September 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 2, 2014
Property Address	118 FIELDS ST, LANCASTER, KY 40444-9595
Document Number	00D276/193
Book / Page	D276 / 193
Instrument Date	Aug 18, 2014
Instrument	122186
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	797 CHENAULT BRIDGE RD, LANCASTER, KY 40444-9527

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	797 CHENAULT BRIDGE RD, LANCASTER, KY 40444-9527
Investor	Possibly a Property Investor

April 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 4, 2009
Property Address	118 FIELDS ST, LANCASTER, KY 40444-9595
Document Number	000253/527
Book / Page	253 / 527
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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
2025	$2,058.00 (-0.48%)	$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2024	$2,068.00 (-2.82%)	$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2023	$2,128.00 (+4.26%)	$200,000 (+5.26%) Land $30,000 Building $170,000	$200,000 (+5.26%) Land $30,000 Building $170,000
2022	$2,041.00	$190,000 Land $25,000 Building $165,000	$190,000 Land $25,000 Building $165,000

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

Flood

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 A, within 500 ft
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

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 26 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 / 20
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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