174 Hobert Estes Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 174 Hobert Estes Rd, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba
Lot Size	61 acres (2,658,467 sqft)
Owner	2 Individual Names on File
Tax Bill	$946 (2025)
Deeds & Mortgages	Apr 2010 Line of Credit Apr 2010 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-24`

Property Details

APN / Parcel Number

Primary APN	`41-24`
Alternative APN	`14633`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	2,658,467 sqft (61 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	14633
Street Address	174 HOBERT ESTES RD
City	LANCASTER
State	KY
Zip	40444-9363
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PENDLETON
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1057
Census Tract	970202

Owner

174 Hobert Estes Rd, a rural home, is owned by two individuals.

Source: Garrard County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	35 HOBERT ESTES RD, LANCASTER, KY 40444-9363
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2010	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK
Apr 13, 2010	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK
May 19, 2009	Deed of Trust, Mortgage · Line of Credit FARMERS NATIONAL BANK OF DANVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	174 HOBERT ESTES RD, LANCASTER, KY 40444-9363
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 HOBERT ESTES RD, LANCASTER, KY 40444-9363
Investor	Possibly a Property Investor

Mortgage

Document Number	00M298/725
Date	Apr 13, 2010
Book Page	M298/725
Instrument	103682

Lender

Name	WHITAKER BANK
Address	LANCASTER, KY 40444

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 5, 2030

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	174 HOBERT ESTES RD, LANCASTER, KY 40444-9363
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 HOBERT ESTES RD, LANCASTER, KY 40444-9363
Investor	Possibly a Property Investor

Mortgage

Document Number	00M298/718
Date	Apr 13, 2010
Book Page	M298/718
Instrument	103681

Lender

Name	WHITAKER BANK
Address	LANCASTER, KY 40444

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 5, 2030

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	174 HOBERT ESTES RD, LANCASTER, KY 40444-9363
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 HOBERT ESTES RD, LANCASTER, KY 40444-9363
Investor	Possibly a Property Investor

Mortgage

Document Number	00M292/134
Date	May 19, 2009
Book Page	M292/134
Instrument	99492

Lender

Name	FARMERS NATIONAL BANK OF DANVILLE
Address	DANVILLE, KY 40422

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 8, 2010

Tax Assessment & Valuation

The 2025 property tax bill for 174 Hobert Estes Rd was $946, down 0.4% from the year before.

Source: Garrard County assessment roll, as of May 5, 2026

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
2026		$92,000 (+5.75%)	$302,000 (+247.13%) Land $297,000 Building $5,000
2025	$946.00 (-0.42%)	$87,000 (-5.43%) Land $25,000 Building $62,000	$87,000 (-5.43%) Land $25,000 Building $62,000
2024	$950.00 (-2.86%)	$92,000 (-) Land $35,000 Building $57,000	$92,000 (-) Land $35,000 Building $57,000
2023	$978.00 (-0.91%)	$92,000 (-) Land $35,000 Building $57,000	$92,000 (-) Land $35,000 Building $57,000
2022	$987.00	$92,000 Land $35,000 Building $57,000	$92,000 Land $35,000 Building $57,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 174 Hobert Estes Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 174 Hobert Estes Rd 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	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
Windstream DSL	50 / 3
Verizon Fixed Wireless	25 / 6

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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