Garrard County property record for 16 Estes Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.63 acres (27,468 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,648 (2025) |
| Deeds & Mortgages | Mar 2008 Line of Credit Dec 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 35A-04-001 |
| Primary APN | 35A-04-001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 27,468 sqft (0.63 acres) |
| Garage Type | Basement |
| Sewer | Connected |
|---|
| Account Number | 25410 |
|---|---|
| Street Address | 16 ESTES DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7879 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Legal Subdivision | ESTES DRIVE SUBDIVISION |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 970300 |
Source: Garrard County assessment roll, as of May 5, 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 File |
|---|---|
| Mailing Address | 16 ESTES DR, LANCASTER, KY 40444-7879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2008 | Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK |
| Dec 20, 2023 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 16 ESTES DR, LANCASTER, KY 40444-7879 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 ESTES DR, LANCASTER, KY 40444-7879 |
| Document Number | 00M281/555 |
|---|---|
| Date | Mar 4, 2008 |
| Book Page | M281/555 |
| Instrument | 93703 |
| Name | NATIONAL CITY BANK |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 20, 2023 |
| Property Address | 16 ESTES DR, LANCASTER, KY 40444-7879 |
| Document Number | 00D324/413 |
| Book / Page | D324 / 413 |
| Map Reference | MB 1 PG 40 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 180779 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 138 PIN OAK DR, LANCASTER, KY 40444-1047 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 16 ESTES DR, LANCASTER, KY 40444-7879 |
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 |
|---|---|---|---|
| 2025 | $2,648.00 (-0.45%) | $250,000 (-) Land $30,000 Building $220,000 | $250,000 (-) Land $30,000 Building $220,000 |
| 2024 | $2,660.00 (+457.65%) | $250,000 (+177.78%) Land $30,000 Building $220,000 | $250,000 (+177.78%) Land $30,000 Building $220,000 |
| 2023 | $477.00 (-12.64%) Homeowner's exemption | $90,000 (-) Land $20,000 Building $70,000 | $90,000 (-) Land $20,000 Building $70,000 |
| 2022 | $546.00 Homeowner's exemption | $90,000 Land $20,000 Building $70,000 | $90,000 Land $20,000 Building $70,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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 at the parcel |
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) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures