118 Hunter Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 118 Hunter Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1996
Lot Size	0.974 acres (42,446 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,900 (Aug 2026)
Tax Bill	$1,656 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03B-01-015`

Property Details

APN / Parcel Number

Primary APN	`03B-01-015`
Alternative APN	`8816`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	42,446 sqft (0.974 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	8816
Street Address	118 HUNTER DR
City	LANCASTER
State	KY
Zip	40444-8902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 SECTION 2 WOODLAWN
Legal Subdivision	WOODLAWN
Legal Lot Number	4
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2037
Census Tract	970101

Owner

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	2 Individual Names on Record
Mailing Address	6600 MAN O WAR BLVD, 9107, LEXINGTON, KY 40509-8777
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed of Trust, Mortgage · VA Mortgage WILSON MUIR BANK TRUST COMPANY
Aug 13, 2026	Deed, Transfer · VA Mortgage WILSON MUIR BANK TRUST COMPANY
Oct 1, 2025	Deed of Trust, Mortgage FARMERS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2026 · Amount on Record
Deed Sale	Aug 13, 2026 · Amount on Record
Deed Document Number	2026220489
Deed Book / Page	338 / 512
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Aug 13, 2026
Property Address	118 HUNTER DR, LANCASTER, KY 40444-8902
Document Number	0000220492
Book / Page	476 / 32
Instrument Date	Aug 6, 2026
Instrument	2026220492
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	BLUEGRASS LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 HUNTER DR, LANCASTER, KY 40444-8902

Mortgage

Document Number	0000220492,
Date	Aug 13, 2026
Book Page	476/32
Instrument	2026220492

Lender

Name	WILSON MUIR BANK TRUST COMPANY

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 13, 2026
Property Address	118 HUNTER DR, LANCASTER, KY 40444-8902
Document Number	0000220489
Book / Page	338 / 512
Instrument Date	Aug 6, 2026
Instrument	2026220489
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43,924.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000220492,
Date	Aug 13, 2026
Instrument	2026220492

Lender

Name	WILSON MUIR BANK TRUST COMPANY

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	118 HUNTER DR, LANCASTER, KY 40444-8902
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 HUNTER DR, LANCASTER, KY 40444-8902

Mortgage

Document Number	00M462/933
Date	Oct 1, 2025
Book Page	M462/933
Instrument	199529

Lender

Name	FARMERS BANK
Type	Bank
Address	NICHOLASVILLE, KY 40356

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2026

Interest

Rate Type	Adjustable Rate

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
2026		$210,000 (-) Land $30,000 Building $180,000	$210,000 (-) Land $30,000 Building $180,000
2025	$1,656.00 (-2.13%) Homeowner's exemption	$210,000 (-) Land $30,000 Building $180,000	$210,000 (-) Land $30,000 Building $180,000
2024	$1,692.00 (-2.81%) Homeowner's exemption	$210,000 (-) Land $30,000 Building $180,000	$210,000 (-) Land $30,000 Building $180,000
2023	$1,741.00 (+8.41%) Homeowner's exemption	$210,000 (+10.53%) Land $30,000 Building $180,000	$210,000 (+10.53%) Land $30,000 Building $180,000
2022	$1,606.00 Homeowner's exemption	$190,000 Land $30,000 Building $160,000	$190,000 Land $30,000 Building $160,000

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 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	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Straight-line Winds, Flooding, And Landslides, Feb 2025 · 2 claims

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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