166 Windy Rdg, Lancaster, KY 40444 Property Records

Garrard County property record for 166 Windy Rdg, Lancaster, KY 40444

Property Summary

Property Type	General Agricultural/Rural
Details	built 2001
Lot Size	72.8 acres (3,172,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (May 2000)
Tax Bill	$2,330 (2025)
Deeds & Mortgages	May 2025 Line of Credit Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`42-14`

Property Details

APN / Parcel Number

Primary APN	`42-14`
Alternative APNs	`24903` `22304` `8084`

Exterior

Year Built	Built 2001
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,172,475 sqft (72.8 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	22304
Street Address	166 WINDY RDG
City	LANCASTER
State	KY
Zip	40444-9463
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	DIST:01 CITY/MUNI/TWP:AROUND LANCASTER
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1050
Census Tract	970202

Owner

Source: Garrard County records, as of November 13, 2025

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	284 WINDY RDG, LANCASTER, KY 40444-9464
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2025	Deed of Trust, Mortgage · Line of Credit THE FARMERS NATIONAL BANK OF DANVILLE
Apr 25, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2000 · Amount on Record
Deed Sale	May 1, 2000 · Amount on Record
Deed Document Number	0000196775
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	166 WINDY RDG, LANCASTER, KY 40444-9463
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 WINDY RDG, LANCASTER, KY 40444-9463

Mortgage

Document Number	00M458/364
Date	May 23, 2025
Book Page	M458/364
Instrument	195160

Lender

Name	THE FARMERS NATIONAL BANK OF DANVILLE
Type	Bank
Address	DANVILLE, KY 40422

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 15, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 25, 2023
Property Address	166 WINDY RDG, LANCASTER, KY 40444-9463
Document Number	00D320/818
Book / Page	D320 / 818
Map Reference	DB 139 PG 285
Instrument Date	Apr 25, 2023
Instrument	175336
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 WINDY RDG, LANCASTER, KY 40444-9463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 WINDY RDG, LANCASTER, KY 40444-9464
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Garrard County assessment roll, as of April 1, 2025

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
2025	$2,330.00 (+6.83%)	$200,000 (-2.44%) Land $30,000 Building $170,000	$200,000 (-2.44%) Land $30,000 Building $170,000
2024	$2,181.00 (+25.63%)	$205,000 (-) Land $50,000 Building $155,000	$205,000 (-) Land $50,000 Building $155,000
2023	$1,736.00 (-4.41%) Homeowner's exemption	$205,000 (-) Land $50,000 Building $155,000	$205,000 (-) Land $50,000 Building $155,000
2022	$1,816.00 Homeowner's exemption	$205,000 Land $50,000 Building $155,000	$205,000 Land $50,000 Building $155,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Windstream DSL	10 / 1

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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