Garrard County property record for 184 Bright Leaf Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 1997 |
| Lot Size | 0.786 acres (34,248 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $156,000 (Oct 2011) |
| Tax Bill | $1,398 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11A-01-001 |
| Primary APN | 11A-01-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 34,248 sqft (0.786 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 17778 |
|---|---|
| Street Address | 184 BRIGHT LEAF DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 |
| Legal Subdivision | BRIGHT LEAF |
| Legal Lot Number | 1 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 970102 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 184 BRIGHT LEAF DR, LANCASTER, KY 40444-8917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2011 · Amount on Record |
| Deed Sale | Oct 6, 2011 · Amount on Record |
| Deed Document Number | 2011109735 |
| Deed Book / Page | 263 / 882 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 17, 2026 |
| Property Address | 184 BRIGHT LEAF DR, LANCASTER, KY 40444-8917 |
| Document Number | 0000214119 |
| Book / Page | 470 / 666 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 2026214119 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 184 BRIGHT LEAF DR, LANCASTER, KY 40444-8917 |
| Document Number | 0000214119, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 470/666 |
| Instrument | 2026214119 |
| Name | ABD FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $185,000 (-) Land $20,000 Building $165,000 | $185,000 (-) Land $20,000 Building $165,000 | |
| 2025 | $1,398.00 (-2.51%) Disabled Person's exemption | $185,000 (+8.82%) Land $20,000 Building $165,000 | $185,000 (+8.82%) Land $20,000 Building $165,000 |
| 2024 | $1,434.00 (-27.13%) Disabled Person's exemption | $170,000 (-) Land $20,000 Building $150,000 | $170,000 (-) Land $20,000 Building $150,000 |
| 2023 | $1,968.00 (+0.15%) | $170,000 (+1.19%) Land $20,000 Building $150,000 | $170,000 (+1.19%) Land $20,000 Building $150,000 |
| 2022 | $1,965.00 | $168,000 Land $18,000 Building $150,000 | $168,000 Land $18,000 Building $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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 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.
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 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
| kywimax Fixed Wireless · not low latency | 25 / 5 |
May also be available: AT&T.
5G (outdoors only) and 4G LTE
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