Garrard County property record for 137 Estes Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · built 1974 |
| Lot Size | 0.284 acres (12,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $486 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35A-03-010 |
| Primary APN | 35A-03-010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,405 sqft (0.284 acres) |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 14913 |
|---|---|
| Street Address | 137 ESTES DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9761 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & LOT |
| Legal Subdivision | TED ESTES SUB |
| Legal Lot Number | 13A |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 970300 |
137 Estes Dr is owned and occupied by an individual.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 137 ESTES DR, LANCASTER, KY 40444-9761 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 137 ESTES DR, LANCASTER, KY 40444-9761 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 137 ESTES DR, LANCASTER, KY 40444-9761 |
| Document Number | 00M469/301 |
|---|---|
| Date | Mar 17, 2026 |
| Book Page | M469/301 |
| Instrument | 212141 |
| Name | MORTGAGEPROS LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.75% |
| Index | SOFR Average 30-Day |
| Max Rate | 9.75% |
The 2025 property tax bill for 137 Estes Dr was $486 with a homeowner's exemption, down 6% from the year before.
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 | $95,000 (-) Land $25,000 Building $70,000 | $95,000 (-) Land $25,000 Building $70,000 | |
| 2025 | $486.00 (-6%) Homeowner's exemption | $95,000 (-) Land $25,000 Building $70,000 | $95,000 (-) Land $25,000 Building $70,000 |
| 2024 | $517.00 (+25.49%) Homeowner's exemption | $95,000 (+13.1%) Land $25,000 Building $70,000 | $95,000 (+13.1%) Land $25,000 Building $70,000 |
| 2023 | $412.00 (-14.17%) Homeowner's exemption | $84,000 (-) Land $20,000 Building $64,000 | $84,000 (-) Land $20,000 Building $64,000 |
| 2022 | $480.00 Homeowner's exemption | $84,000 Land $20,000 Building $64,000 | $84,000 Land $20,000 Building $64,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 137 Estes Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2015 · rainfall accumulation |
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 risk around 137 Estes Dr is low, with a 0.04% 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 | 0.04% 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 70 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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