130 Sutton Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 130 Sutton Ln, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · built 1992
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Sep 2015)
Tax Bill	$4,117 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11B-01-034`

Property Details

APN / Parcel Number

Primary APN	`11B-01-034`
Alternative APNs	`25291` `408`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	25291
Street Address	130 SUTTON LN
City	LANCASTER
State	KY
Zip	40444-7323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACTS 6A 1.010 AC
Legal Subdivision	TRADEWAY SUB
Legal Tract	6A
Legal Lot Number	6A
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3001
Census Tract	970102

Owner

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	130 SUTTON LN, LANCASTER, KY 40444-7323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 6, 2024	Deed, Transfer
Oct 13, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2015 · Amount on Record
Deed Sale	Sep 15, 2015 · Amount on Record
Deed Document Number	2015126703
Deed Book / Page	280 / 387
Prior Transfer Date	Sep 22, 2014
Prior Transfer Doc	00D276/432
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Apr 15, 2026
Property Address	130 SUTTON LN, LANCASTER, KY 40444-7323
Document Number	0000213872
Book / Page	470 / 423
Instrument Date	Apr 8, 2026
Instrument	2026213872
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	130 SUTTON LN, LANCASTER, KY 40444-7323

Mortgage

Document Number	0000213872,
Date	Apr 15, 2026
Book Page	470/423
Instrument	2026213872

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 6, 2024
Property Address	130 SUTTON LN, LANCASTER, KY 40444-7323
Document Number	00D329/547
Book / Page	D329 / 547
Map Reference	CAB 1 SL 304
Instrument Date	Dec 5, 2024
Instrument	190034
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$704.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86 SUTTON LN, LANCASTER, KY 40444-9519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 SUTTON LN, LANCASTER, KY 40444-7323

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 13, 2023
Property Address	130 SUTTON LN, LANCASTER, KY 40444-7323
Document Number	00D323/424
Book / Page	D323 / 424
Map Reference	CAB 7 SL 10
Instrument Date	Oct 13, 2023
Instrument	178597
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86 SUTTON LN, LANCASTER, KY 40444-9519

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	130 SUTTON LN, LANCASTER, KY 40444-7323

Tax Assessment & Valuation

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		$400,000 (-) Land $30,000 Building $370,000	$400,000 (-) Land $30,000 Building $370,000
2025	$4,117.00 (-0.48%)	$400,000 (+14.29%) Land $30,000 Building $370,000	$400,000 (+14.29%) Land $30,000 Building $370,000
2024	$4,137.00 (+76.72%)	$350,000 (+75%) Land $30,000 Building $320,000	$350,000 (+75%) Land $30,000 Building $320,000
2023	$2,341.00 (+1.39%)	$200,000 (+2.56%) Land $20,000 Building $180,000	$200,000 (+2.56%) Land $20,000 Building $180,000
2022	$2,309.00	$195,000 Land $20,000 Building $175,000	$195,000 Land $20,000 Building $175,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 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

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 55 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
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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