Garrard County property record for 128 Bethany Trce, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | built 2023 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $295,000 (Aug 2025) |
| Tax Bill | $3,067 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Aug 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-33.14 |
| Primary APN | 27-33.14 |
|---|---|
| Alternative APNs |
|
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 9,017 sqft (0.207 acres) |
| Account Number | 23141 |
|---|---|
| Street Address | 128 BETHANY TRCE |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT 14 PC 4-173 HERITAGE PLACE SUB |
| Legal Subdivision | HERITAGE PLACE |
| Legal Lot Number | 14 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 970201 |
Source: Garrard County records, as of October 20, 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 | 4612 WINDSTAR WAY, LEXINGTON, KY 40515-4819 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Oct 8, 2026 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Aug 1, 2025 | Deed, Transfer |
| May 8, 2025 | Warranty Deed, Transfer TREY TITLE LLC, TRUE TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2025 · Amount on Record |
| Deed Sale | Aug 1, 2025 · Amount on Record |
| Prior Sale | May 8, 2025 · Amount on Record |
| Deed Document Number | 2025197085 |
| Deed Book / Page | 333 / 114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Oct 8, 2026 |
| Property Address | 128 BETHANY TRCE, LANCASTER, KY 40444-7155 |
| Document Number | 0000223245 |
| Book / Page | 478 / 223 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 2026223245 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 128 BETHANY TRCE, LANCASTER, KY 40444-7155 |
| Document Number | 0000223245, |
|---|---|
| Date | Oct 8, 2026 |
| Book Page | 478/223 |
| Instrument | 2026223245 |
| Name | WHITAKER BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Aug 1, 2025 |
| Property Address | 128 BETHANY TRCE, LANCASTER, KY 40444 |
| Document Number | 00D333/114 |
| Book / Page | D333 / 114 |
| Map Reference | CAB 4 SL 173 |
| Instrument Date | Jul 23, 2025 |
| Instrument | 197085 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $295.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 494 WAKEENEY DR, WESTCLIFFE, CO 81252-7006 |
| Name | Verified Name |
|---|---|
| Address | 4612 WINDSTAR WAY, LEXINGTON, KY 40515-4819 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 8, 2025 |
| Property Address | 128 BETHANY TRCE, LANCASTER, KY 40444 |
| Document Number | 00D331/806 |
| Book / Page | D331 / 806 |
| Map Reference | CAB 4 SL 173 |
| Instrument Date | May 1, 2025 |
| Instrument | 194546 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $280.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4280 LEXINGTON RD, LANCASTER, KY 40444-9018 |
| Name | Verified Name |
|---|---|
| Address | 494 WAKEENEY DR, WESTCLIFFE, CO 81252-7006 |
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 | $295,000 (+7.27%) Land $25,000 Building $270,000 | $295,000 (+7.27%) Land $25,000 Building $270,000 | |
| 2025 | $3,067.00 (+1,425.87%) | $275,000 (+1,427.78%) Land $25,000 Building $250,000 | $275,000 (+1,427.78%) Land $25,000 Building $250,000 |
| 2024 | $201.00 (-2.9%) | $18,000 (-) Land $18,000 | $18,000 (-) Land $18,000 |
| 2023 | $207.00 | $18,000 Land $18,000 | $18,000 Land $18,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 | Direct burnable vegetation |
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 214 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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