124 Clay Ave, Lancaster, KY 40444 Property Records

Garrard County property record for 124 Clay Ave, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2000
Lot Size	1.04 acres (45,442 sqft)
Owner	Individual Name on File
Last Sale	$181,390 (Apr 2017)
Tax Bill	$1,553 (2025)
Deeds & Mortgages	Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-067.27`

Property Details

APN / Parcel Number

Primary APN	`10-067.27`
Alternative APN	`19099`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,442 sqft (1.04 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	19099
Street Address	124 CLAY AVE
City	LANCASTER
State	KY
Zip	40444-8955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 SECTION 2
Legal Subdivision	DAYCREST
Legal Lot Number	19
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	1
Census Block	1002
Census Tract	970101

Owner

124 Clay Ave is owned and occupied by an individual who bought it in April 2017.

Source: Garrard County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	124 CLAY AVE, LANCASTER, KY 40444-8955
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2017 · Amount on File
Deed Sale	Apr 28, 2017 · Amount on File
Prior Sale	Jan 30, 2007 · Amount on File
Deed Document Number	2017134337
Deed Book / Page	288 / 432
Record Updated	Oct 29, 2026

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 28, 2017
Property Address	124 CLAY AVE, LANCASTER, KY 40444-8955
Document Number	000288/432
Book / Page	288 / 432
Instrument Date	Apr 27, 2017
Instrument	134337
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount on Record
Tax	$181.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 CLAY AVE, 124, LANCASTER, KY 40444-8955

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CLAY AVE, LANCASTER, KY 40444-8955

Tax Assessment & Valuation

The 2025 property tax bill for 124 Clay Ave was $1,553 with a homeowner's exemption, down 2.3% from the year before.

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		$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2025	$1,553.00 (-2.27%) Homeowner's exemption	$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2024	$1,589.00 (-2.81%) Homeowner's exemption	$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2023	$1,635.00 (-19.89%) Homeowner's exemption	$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 $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

FEMA maps place 124 Clay Ave in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 124 Clay Ave 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.

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 36 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 · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3