Garrard County property record for 128 Miles Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · built 1980 |
| Lot Size | 0.25 acres (10,925 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Apr 2021) |
| Tax Bill | $1,282 (2025) |
| Deeds & Mortgages | May 2026 Construction Loan May 2026 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27B-01-015 |
| Primary APN | 27B-01-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,925 sqft (0.25 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 22049 |
|---|---|
| Street Address | 128 MILES DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Legal Subdivision | MILES EST |
| Legal Lot Number | 15 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 970300 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage FIRST SOUTHERN NATIONAL BANK |
| May 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage FIRST SOUTHERN NATIONAL BANK |
| Apr 16, 2021 | Deed, Transfer |
| Dec 1, 2011 | Deed, Transfer · Line of Credit FIRST SOUTHERN NATIONAL BANK |
| Dec 1, 2011 | Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2021 · Amount on Record |
| Deed Sale | Apr 16, 2021 · Amount on Record |
| Prior Sale | Dec 1, 2011 · Amount on Record |
| Deed Document Number | 2021161474 |
| Deed Book / Page | 309 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 12, 2026 |
| Property Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Document Number | 0000215125 |
| Book / Page | 471 / 504 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026215125 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Document Number | 0000215125, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 471/504 |
| Instrument | 2026215125 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | May 4, 2052 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 12, 2026 |
| Property Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Document Number | 0000215126 |
| Book / Page | 471 / 514 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026215126 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Document Number | 0000215126, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 471/514 |
| Instrument | 2026215126 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | May 4, 2052 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 16, 2021 |
| Property Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Document Number | 000D309/85 |
| Book / Page | D309 / 85 |
| Map Reference | DB 273 PG 896 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 161474 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1847 DANVILLE RD, LANCASTER, KY 40444-9339 |
| Name | Verified Name |
|---|---|
| Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 1, 2011 |
| Property Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Document Number | 000264/411 |
| Book / Page | 264 / 411 |
| Instrument | 110304 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1847 DANVILLE RD, LANCASTER, KY 40444-9339 |
| Document Number | 000310/934 |
|---|---|
| Date | Dec 1, 2011 |
| Book Page | 310/934 |
| Instrument | 110306 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 35 Months |
| Due | Nov 23, 2014 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 1, 2011 |
| Property Address | 128 MILES DR, LANCASTER, KY 40444-7634 |
| Document Number | 000264/407 |
| Book / Page | 264 / 407 |
| Instrument | 110303 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $34.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7360 S KYRENE RD # RD1, RD1, TEMPE, AZ 85283-8432 |
| Name | Verified Name |
|---|---|
| Address | 3815 S WEST TEMPLE, SOUTH SALT LAKE, UT 84115-4412 |
| Investor | Possibly a Property Investor |
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 | $115,000 (-) Land $25,000 Building $90,000 | $115,000 (-) Land $25,000 Building $90,000 | |
| 2025 | $1,282.00 (-0.47%) | $115,000 (-) Land $25,000 Building $90,000 | $115,000 (-) Land $25,000 Building $90,000 |
| 2024 | $1,288.00 (-2.57%) | $115,000 (-) Land $25,000 Building $90,000 | $115,000 (-) Land $25,000 Building $90,000 |
| 2023 | $1,322.00 (-0.9%) | $115,000 (-) Land $25,000 Building $90,000 | $115,000 (-) Land $25,000 Building $90,000 |
| 2022 | $1,334.00 | $115,000 Land $25,000 Building $90,000 | $115,000 Land $25,000 Building $90,000 |
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
| 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 | 0.03% 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 | 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 128 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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