Garrard County property record for 154 Deer Run, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 1995 |
| Lot Size | 0.314 acres (13,683 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Jun 2026) |
| Tax Bill | $1,449 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2005 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28E-20 |
| Primary APN | 28E-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,683 sqft (0.314 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 19576 |
|---|---|
| Street Address | 154 DEER RUN |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9594 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 DEER RUN DEV |
| Legal Subdivision | DEER RUN |
| Legal Lot Number | 20 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 970300 |
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 | 441 DRAKES CREEK RD, CRAB ORCHARD, KY 40419-8004 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed, Transfer · Conventional Mortgage WHITAKER BANK INC |
| Aug 6, 2005 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| May 10, 2006 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAS WHOLESALE LENDER |
| Jan 3, 2006 | Deed of Trust, Mortgage · Conventional Mortgage HOMECOMINGS FINANCIAL NETWORK INC |
| Feb 2, 2009 | Deed of Trust, Mortgage · Conventional Mortgage FIRST LIBERTY FINANCIAL GROUP LLC |
| Dec 20, 2021 | Deed, Transfer |
| Sep 12, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2026 · Amount on Record |
| Deed Sale | Jun 30, 2026 · Amount on Record |
| Deed Document Number | 2026216941 |
| Deed Book / Page | 337 / 794 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 30, 2026 |
| Property Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Document Number | 0000216941 |
| Book / Page | 337 / 794 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026216941 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,220.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 441 DRAKES CREEK RD, CRAB ORCHARD, KY 40419-8004 |
| Document Number | 0000216943, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 2026216943 |
| Name | WHITAKER BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Document Number | 00M246/712 |
|---|---|
| Date | Aug 6, 2005 |
| Book Page | M246/712 |
| Instrument | 65598 |
| Name | WHITAKER BANK INC |
|---|---|
| Address | LANCASTER, KY 40444 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 5, 2010 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M258/368 |
|---|---|
| Date | May 10, 2006 |
| Book Page | M258/368 |
| Instrument | 70463 |
| Name | AMERICAS WHOLESALE LENDER |
|---|---|
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M253/568 |
|---|---|
| Date | Jan 3, 2006 |
| Book Page | M253/568 |
| Instrument | 68711 |
| Name | HOMECOMINGS FINANCIAL NETWORK INC |
|---|---|
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M289/499 |
|---|---|
| Date | Feb 2, 2009 |
| Book Page | M289/499 |
| Instrument | 98259 |
| Name | FIRST LIBERTY FINANCIAL GROUP LLC |
|---|---|
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2039 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 20, 2021 |
| Property Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Document Number | 00D313/462 |
| Book / Page | D313 / 462 |
| Map Reference | DB 161 PG 472 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 166554 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 PUBLIC SQ, LANCASTER, KY 40444-1403 |
| Name | Verified Name |
|---|---|
| Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 12, 2017 |
| Property Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| Document Number | 000290/350 |
| Book / Page | 290 / 350 |
| Instrument Date | Sep 8, 2017 |
| Instrument | 135904 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 RUSTIC WAY, LEXINGTON, KY 40511-1997 |
| Name | Verified Name |
|---|---|
| Address | 154 DEER RUN, LANCASTER, KY 40444-9594 |
| 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 | $130,000 (-) Land $20,000 Building $110,000 | $130,000 (-) Land $20,000 Building $110,000 | |
| 2025 | $1,449.00 (-0.48%) | $130,000 (-) Land $20,000 Building $110,000 | $130,000 (-) Land $20,000 Building $110,000 |
| 2024 | $1,456.00 (+11.57%) | $130,000 (+14.54%) Land $20,000 Building $110,000 | $130,000 (+14.54%) Land $20,000 Building $110,000 |
| 2023 | $1,305.00 (-0.84%) | $113,500 (-) Land $20,000 Building $93,500 | $113,500 (-) Land $20,000 Building $93,500 |
| 2022 | $1,316.00 | $113,500 Land $20,000 Building $93,500 | $113,500 Land $20,000 Building $93,500 |
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 47 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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