Garrard County property record for 16 Windswept Dr, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | built 2007 |
| Lot Size | 1.01 acres (44,083 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $115 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jun 2007 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-63 |
| Primary APN | 35-63 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Mobile Home |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 44,083 sqft (1.01 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 3775 |
|---|---|
| Street Address | 16 WINDSWEPT DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 1.37 9.75 & 1.012 AC |
| Legal Subdivision | PRICE AVE |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 970300 |
Source: Garrard County records · APN 35-63
Assessment roll updated May 5, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK |
| Jun 06, 2007 | Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK |
| Dec 21, 2006 | Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK |
| Nov 08, 2007 | Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Document Number | 00M469/120 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | M469/120 |
| Instrument | 211972 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LANCASTER, KY 40444 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 26, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Investor | Possibly a Property Investor |
| Document Number | 00M273/976 |
|---|---|
| Date | Jun 06, 2007 |
| Book Page | M273/976 |
| Instrument | 89177 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Address | LANCASTER, KY 40444 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 04, 2012 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Investor | Possibly a Property Investor |
| Document Number | 00M267/549 |
|---|---|
| Date | Dec 21, 2006 |
| Book Page | M267/549 |
| Instrument | 78195 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Address | LANCASTER, KY 40444 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 3 Months |
| Due | Mar 18, 2007 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 WINDSWEPT DR, LANCASTER, KY 40444-9467 |
| Investor | Possibly a Property Investor |
| Document Number | 00M278/957 |
|---|---|
| Date | Nov 08, 2007 |
| Book Page | M278/957 |
| Instrument | 92274 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Address | LANCASTER, KY 40444 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 07, 2027 |
Source: Garrard County records · Assessment roll updated May 5, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $115.00 (-20.69%) Homeowner's exemption | $60,000 (-) Land $20,000 Building $40,000 | $60,000 (-) Land $20,000 Building $40,000 |
| 2024 | $145.00 (-2.68%) Homeowner's exemption | $60,000 (-) Land $20,000 Building $40,000 | $60,000 (-) Land $20,000 Building $40,000 |
| 2023 | $149.00 (-30.7%) Homeowner's exemption | $60,000 (-) Land $20,000 Building $40,000 | $60,000 (-) Land $20,000 Building $40,000 |
| 2022 | $215.00 Homeowner's exemption | $60,000 Land $20,000 Building $40,000 | $60,000 Land $20,000 Building $40,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 12 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARRARD CO WATER ASSOC INC private · serves 14,806 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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