Garrard County property record for 173 Richmond Road Loop 2, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $206,750 (May 2025) |
| Tax Bill | $1,302 (2025) |
| Deeds & Mortgages | May 2025 Sale & Line of Credit Nov 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-66 |
| Primary APN | 43-66 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Exterior Material | Brick Veneer |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 34,848 sqft (0.8 acres) |
| Garage Type | Attached |
| Sewer | Connected |
|---|
| Account Number | 22446 |
|---|---|
| Street Address | 173 RICHMOND ROAD LOOP 2 |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7278 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 |
| Legal Subdivision | HYATTSVILLE EST |
| Legal Lot Number | 4 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 970202 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 173 RICHMOND ROAD LOOP 2, LANCASTER, KY 40444-7278 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| May 30, 2025 | Deed, Transfer · Line of Credit THE FARMERS NATIONAL BANK OF DANVIL |
| Nov 12, 2020 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2025 · Amount on Record |
| Deed Sale | May 30, 2025 · Amount on Record |
| Prior Sale | Feb 27, 2015 · Amount on Record |
| Deed Document Number | 2025195343 |
| Deed Book / Page | 332 / 250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 30, 2025 |
| Property Address | 173 RICHMOND ROAD LOOP 2, LANCASTER, KY 40444-7278 |
| Document Number | 00D332/250 |
| Book / Page | D332 / 250 |
| Map Reference | CAB L SL 21 |
| Instrument Date | May 23, 2025 |
| Instrument | 195343 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 173 RICHMOND ST, LANCASTER, KY 40444-1157 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 173 RICHMOND ST, LANCASTER, KY 40444-1157 |
| Document Number | 0000195344 |
|---|---|
| Date | May 30, 2025 |
| Instrument | 195344 |
| Name | THE FARMERS NATIONAL BANK OF DANVIL |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 23, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Nov 12, 2020 |
| Property Address | 173 RICHMOND ROAD LOOP 2, LANCASTER, KY 40444-7278 |
| Document Number | 00D306/310 |
| Book / Page | D306 / 310 |
| Map Reference | DB 278 PG 80 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 159483 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $98.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 168 PHILLIP WAY, LANCASTER, KY 40444-9445 |
| Name | Verified Name |
|---|---|
| Address | 173 RICHMOND ST, LANCASTER, KY 40444-1157 |
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 | $206,750 (+68.09%) Land $30,000 Building $176,750 | $206,750 (+68.09%) Land $30,000 Building $176,750 | |
| 2025 | $1,302.00 (+3.75%) | $123,000 (+25.51%) Land $25,000 Building $98,000 | $123,000 (+25.51%) Land $25,000 Building $98,000 |
| 2024 | $1,255.00 (+17.07%) | $98,000 (-) Land $20,000 Building $78,000 | $98,000 (-) Land $20,000 Building $78,000 |
| 2023 | $1,072.00 (-0.92%) | $98,000 (-) Land $20,000 Building $78,000 | $98,000 (-) Land $20,000 Building $78,000 |
| 2022 | $1,082.00 | $98,000 Land $20,000 Building $78,000 | $98,000 Land $20,000 Building $78,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 200 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: T-Mobile.
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