137 Pam Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 137 Pam Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 1996
Lot Size	1.23 acres (53,594 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,935 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Jul 2023 Foreclosure + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-12.20`

Property Details

APN / Parcel Number

Primary APN	`09-12.20`
Alternative APNs	`22685` `20544` `25886`

Interior

Stories	1 Story

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	53,594 sqft (1.23 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	25886
Street Address	137 PAM DR
City	LANCASTER
State	KY
Zip	40444-8919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 BO LANE SUB
Legal Subdivision	BO LANE
Legal Lot Number	20
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2010
Census Tract	970101

Owner

137 Pam Dr is owned and occupied by two individuals who acquired it in August 2024.

Source: Garrard County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	137 PAM DR, LANCASTER, KY 40444-8919
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2024	Special Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Jul 27, 2023	Commissioner's Deed, Foreclosure
Jul 27, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 28, 2022	Intrafamily Transfer, Transfer
Feb 19, 2021	Deed, Transfer
Aug 23, 2019	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2024
Deed Sale	Aug 2, 2024
Prior Sale	Jul 27, 2023 · Amount on File
Deed Document Number	2024186754
Deed Book / Page	327 / 464
Prior Transfer Date	Jul 6, 2023
Prior Transfer Doc	00D322/294
Record Updated	Oct 29, 2026

August 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 2, 2024
Property Address	137 PAM DR, LANCASTER, KY 40444-8919
Document Number	00D327/464
Book / Page	D327 / 464
Map Reference	CAB 2 SL 490
Instrument Date	Jul 30, 2024
Instrument	186754
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$188.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	137 PAM DR, LANCASTER, KY 40444-8919

Mortgage

Document Number	0000186758
Date	Aug 2, 2024
Instrument	186758

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2054

July 2023: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 27, 2023
Property Address	137 PAM DR, LANCASTER, KY 40444-8919
Document Number	00D322/291
Book / Page	D322 / 291
Map Reference	BK 1 PG 623
Instrument Date	Jul 19, 2023
Instrument	177157
Transaction Type	Foreclosure
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 LOUISVILLE RD, FRANKFORT, KY 40601-6156

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 27, 2023
Property Address	137 PAM DR, LANCASTER, KY 40444-8919
Document Number	00D322/294
Book / Page	D322 / 294
Map Reference	BK 1 PG 623
Instrument Date	Jul 7, 2023
Instrument	177158
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1231 LOUISVILLE RD, FRANKFORT, KY 40601-6156

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5600 GRANITE PKWY # VII, VII, PLANO, TX 75024-4177
Investor	Possibly a Property Investor

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRARD KY
Recording Date	Nov 28, 2022
Property Address	137 PAM DR, LANCASTER, KY 40444-8919
Document Number	00D319/129
Book / Page	D319 / 129
Map Reference	PB 2 PG 490
Instrument Date	Nov 28, 2022
Instrument	173219
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2558 CUMMINS FERRY RD, SALVISA, KY 40372-9005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 PAM DR, LANCASTER, KY 40444-8919

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Feb 19, 2021
Property Address	137 PAM DR, LANCASTER, KY 40444-8919
Document Number	0000D308/3
Book / Page	D308 / 3
Map Reference	BK 1 PG 623
Instrument Date	Jan 29, 2021
Instrument	160655
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount on Record
Tax	$133.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 PAM DR, LANCASTER, KY 40444-8919

August 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 23, 2019
Property Address	137 PAM DR, LANCASTER, KY 40444-8919
Document Number	00D299/691
Book / Page	D299 / 691
Map Reference	CAB 2 SL 490
Instrument Date	Aug 7, 2019
Instrument	152856
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount on Record
Tax	$25.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2100 E ELLIOT RD, TEMPE, AZ 85284-1806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 PAM DR, LANCASTER, KY 40444-8919

Tax Assessment & Valuation

The 2025 property tax bill for 137 Pam Dr was $1,935, up 63.7% from the year before.

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		$188,000 (-) Land $28,000 Building $160,000	$188,000 (-) Land $28,000 Building $160,000
2025	$1,935.00 (+63.71%)	$188,000 (+64.48%) Land $28,000 Building $160,000	$188,000 (+64.48%) Land $28,000 Building $160,000
2024	$1,182.00 (-16.41%)	$114,300 (-14%) Land $25,000 Building $89,300	$114,300 (-14%) Land $25,000 Building $89,300
2023	$1,414.00 (-0.91%)	$132,900 (-) Land $25,000 Building $107,900	$132,900 (-) Land $25,000 Building $107,900
2022	$1,427.00	$132,900 Land $25,000 Building $107,900	$132,900 Land $25,000 Building $107,900

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

Flood

FEMA maps place 137 Pam Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2021.

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	4 in force
Nearby Flood Claims	11 (2021–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Straight-line Winds, Flooding, And Landslides, Feb 2025 · 2 claims

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

Wildfire risk around 137 Pam Dr is low, with a 0.02% 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	0.02% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

137 Pam Dr, Lancaster, KY 40444 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2024: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2023: Commissioner's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2023: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2021: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2019: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Pam Dr

Nearby Streets

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