Garrard County property record for 1265 Pine Crest Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba |
| Lot Size | 2.6 acres (113,474 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,058 (2025) |
| Deeds & Mortgages | Jan 2009 Mortgage Dec 2010 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-091.02 |
| Primary APN | 11-091.02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Exterior Material | Vinyl |
|---|---|
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 113,474 sqft (2.6 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 21950 |
|---|---|
| Street Address | 1265 PINE CREST RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-6707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRC 2.605 AC |
| Legal Tract | C |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 970101 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1265 PINE CREST RD, LANCASTER, KY 40444-6707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2009 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE COMPANY |
| Dec 10, 2010 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE COMPANY |
| Oct 3, 2013 | Deed of Trust, Mortgage FIFTH THIRD BANK (CENTRAL KENTUCKY) |
| Apr 20, 2020 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 1265 PINE CREST RD, LANCASTER, KY 40444-6707 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M288/960 |
|---|---|
| Date | Jan 8, 2009 |
| Book Page | M288/960 |
| Instrument | 98042 |
| Name | FIFTH THIRD MORTGAGE COMPANY |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 1265 PINE CREST RD, LANCASTER, KY 40444-6707 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000M304/94 |
|---|---|
| Date | Dec 10, 2010 |
| Book Page | M304/94 |
| Instrument | 106573 |
| Name | FIFTH THIRD MORTGAGE COMPANY |
|---|---|
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 1265 PINE CREST RD, LANCASTER, KY 40444-6707 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9661 LEXINGTON RD, LANCASTER, KY 40444 |
| Document Number | 000327/384 |
|---|---|
| Date | Oct 3, 2013 |
| Book Page | 327/384 |
| Instrument | 118157 |
| Name | FIFTH THIRD BANK (CENTRAL KENTUCKY) |
|---|---|
| Address | 5050 KINGSLEY DR, CINCINNATI, OH 45227 |
| Amount | Amount Recorded |
|---|---|
| Term | 359 Months |
| Due | Sep 25, 2043 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 20, 2020 |
| Property Address | 1265 PINE CREST RD, LANCASTER, KY 40444-6707 |
| Document Number | 00D302/718 |
| Book / Page | D302 / 718 |
| Map Reference | DB 179 PG 403 |
| Instrument Date | Apr 16, 2020 |
| Instrument | 156746 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $129.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1403 PINE CREST RD, LANCASTER, KY 40444-6703 |
| Name | Verified Name |
|---|---|
| Address | 1265 PINE CREST RD, LANCASTER, KY 40444-6707 |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $200,000 (-) Land $25,000 Building $175,000 | $200,000 (-) Land $25,000 Building $175,000 | |
| 2025 | $2,058.00 (-0.48%) | $200,000 (-) Land $25,000 Building $175,000 | $200,000 (-) Land $25,000 Building $175,000 |
| 2024 | $2,068.00 (-2.82%) | $200,000 (-) Land $25,000 Building $175,000 | $200,000 (-) Land $25,000 Building $175,000 |
| 2023 | $2,128.00 (+1.62%) | $200,000 (+2.56%) Land $25,000 Building $175,000 | $200,000 (+2.56%) Land $25,000 Building $175,000 |
| 2022 | $2,094.00 | $195,000 Land $25,000 Building $170,000 | $195,000 Land $25,000 Building $170,000 |
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 |
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 | 0.02% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
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