1746 Pollys Bend Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 1746 Pollys Bend Rd, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 1973
Lot Size	6.29 acres (274,341 sqft)
Owner	Individual Name on Record
Last Sale	$74,900 (Jul 2013)
Tax Bill	$3,086 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-18.02`

Property Details

APN / Parcel Number

Primary APN	`09-18.02`
Alternative APN	`22535`

Interior

Stories	1 Story

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	274,341 sqft (6.29 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	22535
Street Address	1746 POLLYS BEND RD
City	LANCASTER
State	KY
Zip	40444-7800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 3B 6.298 AC & HOUSE
Legal Subdivision	WILSON-BROWN FARM, LLC
Legal Tract	3B
Legal Lot Number	3B
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2010
Census Tract	970101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1746 POLLYS BEND RD, LANCASTER, KY 40444-7800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE CREDIT UNION
Dec 28, 2020	Deed, Transfer
Jul 23, 2013	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2013 · Amount on Record
Deed Sale	Jul 23, 2013 · Amount on Record
Deed Document Number	2013117304
Deed Book / Page	271 / 421
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	May 26, 2026
Property Address	1746 POLLYS BEND RD, LANCASTER, KY 40444-7800
Document Number	0000215671
Book / Page	472 / 340
Instrument Date	Apr 29, 2026
Instrument	2026215671
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1746 POLLYS BEND RD, LANCASTER, KY 40444-7800

Mortgage

Document Number	0000215671,
Date	May 26, 2026
Book Page	472/340
Instrument	2026215671

Lender

Name	MEMBERS HERITAGE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 26, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.77%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 28, 2020
Property Address	1746 POLLYS BEND RD, LANCASTER, KY 40444-7800
Document Number	00D307/114
Book / Page	D307 / 114
Map Reference	DB 271 PG 421
Instrument Date	Oct 2, 2020
Instrument	160003
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1746 POLLYS BEND RD, LANCASTER, KY 40444-7800

July 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 23, 2013
Property Address	1746 POLLYS BEND RD, LANCASTER, KY 40444-7800
Document Number	000271/421
Book / Page	271 / 421
Instrument	117304
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 BOONES CREEK RD, LANCASTER, KY 40444-9539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 BOONES CREEK RD, LANCASTER, KY 40444-9539

Tax Assessment & Valuation

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		$299,900 (-) Land $30,000 Building $269,900	$299,900 (-) Land $30,000 Building $269,900
2025	$3,086.00 (-0.48%)	$299,900 (-) Land $30,000 Building $269,900	$299,900 (-) Land $30,000 Building $269,900
2024	$3,101.00 (-2.82%)	$299,900 (-) Land $30,000 Building $269,900	$299,900 (-) Land $30,000 Building $269,900
2023	$3,191.00 (-0.93%)	$299,900 (-) Land $30,000 Building $269,900	$299,900 (-) Land $30,000 Building $269,900
2022	$3,221.00	$299,900 Land $30,000 Building $269,900	$299,900 Land $30,000 Building $269,900

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
Nearby Flood Claims	11 (2021–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Straight-line Winds, Flooding, And Landslides, Feb 2025 · 2 claims

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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