154 Walker Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 154 Walker Ln, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Lot Size	1.11 acres (48,526 sqft)
Owner	2 Individual Names on Record
Tax Bill	$781 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2025 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`04A-04-009`

Property Details

APN / Parcel Number

Primary APN	`04A-04-009`
Alternative APN	`13615`

Interior

Stories	1 Story

Exterior

Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,526 sqft (1.11 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	13615
Street Address	154 WALKER LN
City	LANCASTER
State	KY
Zip	40444-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.114 AC & .17 AC 353 796 0371
Legal Subdivision	SANDA K HARDY AND E DAVID HARDY
Legal Tract	A
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2037
Census Tract	970101

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	2 Individual Names on Record
Mailing Address	154 WALKER LN, LANCASTER, KY 40444-9752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS BANK
Sep 23, 2025	Deed of Trust, Mortgage · Construction Mortgage FARMERS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2009
Deed Sale	Apr 15, 2009
Deed Book / Page	253 / 675
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Jul 9, 2026
Property Address	154 WALKER LN, LANCASTER, KY 40444-9752
Document Number	0000217703
Book / Page	474 / 467
Instrument Date	Jun 26, 2026
Instrument	2026217703
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 WALKER LN, LANCASTER, KY 40444-9752

Mortgage

Document Number	0000217703,
Date	Jul 9, 2026
Book Page	474/467
Instrument	2026217703

Lender

Name	FARMERS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	154 WALKER LN, LANCASTER, KY 40444-9752
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 WALKER LN, LANCASTER, KY 40444-9752

Mortgage

Document Number	00M462/529
Date	Sep 23, 2025
Book Page	M462/529
Instrument	199202

Lender

Name	FARMERS BANK
Type	Bank
Address	NICHOLASVILLE, KY 40356

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Jun 19, 2026

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		$125,000 (-) Land $25,000 Building $100,000	$125,000 (-) Land $25,000 Building $100,000
2025	$781.00 (-3.94%) Disabled Person's exemption	$125,000 (-) Land $25,000 Building $100,000	$125,000 (-) Land $25,000 Building $100,000
2024	$813.00 (-2.87%) Disabled Person's exemption	$125,000 (-) Land $25,000 Building $100,000	$125,000 (-) Land $25,000 Building $100,000
2023	$837.00 (+4.63%) Disabled Person's exemption	$125,000 (+8.7%) Land $25,000 Building $100,000	$125,000 (+8.7%) Land $25,000 Building $100,000
2022	$800.00 Disabled Person's exemption	$115,000 Land $115,000	$115,000 Land $115,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LAKE VILLAGE WATER ASSOCIATION private · serves 6,855 people · EPA ID KY0840587
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Also Mapped Here	GARRARD CO WATER ASSOC INC
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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