Garrard County property record for 178 Fall Lick Rd, Lancaster, KY 40444 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1980 |
| Lot Size | 181,900 sqft (4.17 acres) |
| Garage | Basement |
| Occupancy | Owner Occupied |
| Tax Bill | $1,377.00 (2025) |
Source: Garrard County records · APN 35A-05-015
Assessment roll updated May 5, 2026 · Last verified May 2026
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 File |
|---|---|
| Mailing Address | 178 FALL LICK RD, LANCASTER, KY 40444-9755 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 16, 2026 | Deed of Trust · Line of Credit FIRST FEDERAL SAVINGS BANK |
| Apr 16, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 16, 2026 |
| Property Address | 178 FALL LICK RD, LANCASTER, KY 40444-9755 |
| Document Number | 0000214013 |
| Book / Page | 470 / 505 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 2026.214013 |
| Record Updated | Apr 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 178 FALL LICK RD, LANCASTER, KY 40444-9755 |
| Investor | Possibly a Property Investor |
| Document Number | 0000214013, |
|---|---|
| Date | Apr 16, 2026 |
| Book Page | 470/505 |
| Instrument | 2026.214013 |
| Name | FIRST FEDERAL SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 24, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.35% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 16, 2026 |
| Property Address | 178 FALL LICK RD, LANCASTER, KY 40444-9755 |
| Document Number | 00M470/505 |
| Book / Page | 470 / 505 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 2026214013 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 178 FALL LICK RD, LANCASTER, KY 40444-9755 |
| Investor | Possibly a Property Investor |
| Document Number | 0000214013, |
|---|---|
| Date | Apr 16, 2026 |
| Book Page | 470/505 |
| Instrument | 2026214013 |
| Name | FIRST FEDERAL SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 24, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.35% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
Source: Garrard County records · Assessment roll updated May 5, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,377.00 (-0.43%) | $130,000 (-) Land $25,000 Building $105,000 | $130,000 (-) Land $25,000 Building $105,000 |
| 2024 | $1,383.00 (-0.43%) | $130,000 (+2.36%) Land $25,000 Building $105,000 | $130,000 (+2.36%) Land $25,000 Building $105,000 |
| 2023 | $1,389.00 (-0.93%) | $127,000 (-) Land $22,000 Building $105,000 | $127,000 (-) Land $22,000 Building $105,000 |
| 2022 | $1,402.00 | $127,000 Land $22,000 Building $105,000 | $127,000 Land $22,000 Building $105,000 |
Source: FEMA National Flood Hazard Layer, Garrard County (21079C), updated December 21, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 2,941 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 35A-05-015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Stories |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick Veneer Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 181,900 sqft (4.17 acres) |
| Garage Type | Basement Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Radiant Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 25460 |
|---|---|
| Street Address | 178 FALL LICK RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9755 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | SPRING HILL ESTATES SUBDIVISION |
| Jurisdiction | GARRARD KY |
| Minor Civil Division | LANCASTER |
| Census Blockgroup | 2 |
| Census Block | 2028 |
| Census Tract | 970300 |
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