1835 Pollys Bend Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 1835 Pollys Bend Rd, Lancaster, KY 40444

Property Summary

Property Type	Mobile Home
Details	built 2022
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Oct 2025)
Tax Bill	$729 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-30`

Property Details

APN / Parcel Number

Primary APN	`09-30`
Alternative APNs	`24151` `24152`

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Mobile/Manufactured
Lot Area	52,272 sqft (1.2 acres)

Location & Zoning

Account Number	24152
Street Address	1835 POLLYS BEND RD
City	LANCASTER
State	KY
Zip	40444-7356
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	TRACT 1 CHARLES COX PROP & MH
Legal Subdivision	CHARLES COX JR
Legal Tract	1
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2013
Census Tract	970101

Owner

1835 Pollys Bend Rd, a mobile home, is owned by two individuals who bought it in October 2025.

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 File
Mailing Address	905 DIX DR, WILMORE, KY 40390-9624
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Apr 21, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on File
Deed Sale	Oct 7, 2025 · Amount on File
Prior Sale	Apr 21, 2022 · Amount on File
Deed Document Number	2025199903
Deed Book / Page	334 / 178
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	1835 POLLYS BEND RD, LANCASTER, KY 40444-7356
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 DIX DR, WILMORE, KY 40390-9624

Mortgage

Document Number	00M463/305
Date	Oct 7, 2025
Book Page	M463/305
Instrument	199907

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 21, 2022
Property Address	1835 POLLYS BEND RD, LANCASTER, KY 40444-7356
Document Number	00D315/388
Book / Page	D315 / 388
Map Reference	CAB 1 SL 177
Instrument Date	Apr 20, 2022
Instrument	168849
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$20.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 PASSAGE WAY, LANCASTER, KY 40444-8942

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 RIVERS EDGE WAY, LANCASTER, KY 40444-7226

Tax Assessment & Valuation

The 2025 property tax bill for 1835 Pollys Bend Rd was $729 with a disabled person's exemption, down 41.3% 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		$200,000 (+66.67%) Land $30,000 Building $170,000	$200,000 (+66.67%) Land $30,000 Building $170,000
2025	$729.00 (-41.26%)	$120,000 (-) Land $20,000 Building $100,000	$120,000 (-) Land $20,000 Building $100,000
2024	$1,241.00 (-2.82%)	$120,000 (-) Land $20,000 Building $100,000	$120,000 (-) Land $20,000 Building $100,000
2023	$1,277.00	$120,000 Land $20,000 Building $100,000	$120,000 Land $20,000 Building $100,000

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

Flood

FEMA maps place 1835 Pollys Bend Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2021.

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

Wildfire risk around 1835 Pollys Bend Rd is low, with a 0.02% 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	0.02% 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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