Garrard County property record for 120 Mill St, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.092 acres (4,008 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,293 (2025) |
| Deeds & Mortgages | Jul 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | L4-09-006 |
| Primary APN | L4-09-006 |
|---|---|
| Alternative APNs |
|
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,008 sqft (0.092 acres) |
| Sewer | Connected |
|---|
| Account Number | 25046 |
|---|---|
| Street Address | 120 MILL ST |
| City | LANCASTER |
| State | KY |
| Zip | 40444-1250 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .092 AC |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 970300 |
Source: Garrard County records, as of November 13, 2025
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 | 120 MILL ST, LANCASTER, KY 40444-1250 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 21, 2023 |
| Property Address | 120 MILL ST, LANCASTER, KY 40444-1250 |
| Document Number | 00D322/199 |
| Book / Page | D322 / 199 |
| Map Reference | DB 316 PG 762 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 177075 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | THE LAND GROUP REAL ESTATES |
| Amount | Amount Recorded |
|---|---|
| Tax | $116.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 730 OLD MITCHELLSBURG RD, PARKSVILLE, KY 40464-9603 |
| Name | Verified Name |
|---|---|
| Address | 120 MILL ST, LANCASTER, KY 40444-1250 |
| Investor | Possibly a Property Investor |
Source: Garrard County assessment roll, as of April 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,293.00 (-0.46%) | $116,000 (-) Land $30,000 Building $86,000 | $116,000 (-) Land $30,000 Building $86,000 |
| 2024 | $1,299.00 (+98.32%) | $116,000 (+22.11%) Land $30,000 Building $86,000 | $116,000 (+22.11%) Land $30,000 Building $86,000 |
| 2023 | $655.00 | $95,000 Land $25,000 Building $70,000 | $95,000 Land $25,000 Building $70,000 |
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 |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2015 · rainfall accumulation |
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 314 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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