Garrard County property record for 123 N Paulding St, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · built 1937 |
| Lot Size | 0.099 acres (4,324 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Sep 2021) |
| Tax Bill | $1,561 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | L1-09-009 |
| Primary APN | L1-09-009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,324 sqft (0.099 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Sewer | Connected |
| Account Number | 1957 |
|---|---|
| Street Address | 123 N PAULDING ST |
| City | LANCASTER |
| State | KY |
| Zip | 40444-1085 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 970201 |
123 N Paulding St is owned by two individuals who bought it in September 2021.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 287 RICHMOND ROAD LOOP 1, LANCASTER, KY 40444-7290 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2021 · Amount on File |
| Deed Sale | Sep 7, 2021 · Amount on File |
| Deed Document Number | 2021164162 |
| Deed Book / Page | 311 / 711 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 123 N Paulding St was $1,561, 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 | $140,000 (-) Land $25,000 Building $115,000 | $140,000 (-) Land $25,000 Building $115,000 | |
| 2025 | $1,561.00 (-0.45%) | $140,000 (-) Land $25,000 Building $115,000 | $140,000 (-) Land $25,000 Building $115,000 |
| 2024 | $1,568.00 (+4.88%) | $140,000 (+7.69%) Land $25,000 Building $115,000 | $140,000 (+7.69%) Land $25,000 Building $115,000 |
| 2023 | $1,495.00 (-0.86%) | $130,000 (-) Land $25,000 Building $105,000 | $130,000 (-) Land $25,000 Building $105,000 |
| 2022 | $1,508.00 | $130,000 Land $25,000 Building $105,000 | $130,000 Land $25,000 Building $105,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 123 N Paulding St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 123 N Paulding St is low, with a 0.01% 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 | 0.01% 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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