Garrard County property record for 164 Royalty Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · built 1992 |
| Lot Size | 2.37 acres (103,401 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,181 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 22A-25 |
| Primary APN | 22A-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 103,401 sqft (2.37 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 3385 |
|---|---|
| Street Address | 164 ROYALTY DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART 0F LOT 38 & LOT 40 HOUSE |
| Legal Subdivision | LANCASHIRE |
| Legal Lot Number | 38-40 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 970201 |
164 Royalty Dr is owned and occupied by two individuals.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 164 ROYALTY DR, LANCASTER, KY 40444-9071 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 164 Royalty Dr was $2,181 with a homeowner's exemption, down 1.8% from the year before.
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 |
|---|---|---|---|
| 2026 | $255,000 (-) Land $25,000 Building $230,000 | $255,000 (-) Land $25,000 Building $230,000 | |
| 2025 | $2,181.00 (-1.76%) Homeowner's exemption | $255,000 (-) Land $25,000 Building $230,000 | $255,000 (-) Land $25,000 Building $230,000 |
| 2024 | $2,220.00 (+71.03%) Homeowner's exemption | $255,000 (+54.55%) Land $25,000 Building $230,000 | $255,000 (+54.55%) Land $25,000 Building $230,000 |
| 2023 | $1,298.00 (-5.53%) Homeowner's exemption | $165,000 (-) Land $25,000 Building $140,000 | $165,000 (-) Land $25,000 Building $140,000 |
| 2022 | $1,374.00 Homeowner's exemption | $165,000 Land $25,000 Building $140,000 | $165,000 Land $25,000 Building $140,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 Royalty Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 164 Royalty Dr is low, with a 0.03% 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 | 0.03% 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.
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 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 50 / 3 |
| Verizon Fixed Wireless | 25 / 6 |
| kywimax Fixed Wireless · not low latency | 25 / 5 |
| T-Mobile Fixed Wireless | 25 / 3 |
5G (outdoors only) and 4G LTE
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