Garrard County property record for 197 Clay Ave, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · built 2001 |
| Lot Size | 1.03 acres (44,997 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Nov 2017) |
| Tax Bill | $2,058 (2025) |
| Deeds & Mortgages | Apr 2021 Sale Nov 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-067.50 |
| Primary APN | 10-067.50 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 44,997 sqft (1.03 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 19695 |
|---|---|
| Street Address | 197 CLAY AVE |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 41 & 1.033 AC DAYCREST |
| Legal Subdivision | MEADOWS @ DAYCREST |
| Legal Lot Number | 41&1 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970101 |
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 | 197 CLAY AVE, LANCASTER, KY 40444-8955 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2021 | Declaration, Transfer |
| Nov 20, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2017 · Amount on Record |
| Deed Sale | Nov 20, 2017 · Amount on Record |
| Deed Document Number | 2017136676 |
| Deed Book / Page | 291 / 322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Declaration |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 22, 2021 |
| Property Address | 197 CLAY AVE, LANCASTER, KY 40444-8955 |
| Document Number | D309/177 |
| Book / Page | D309 / 177 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 161560 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 197 CLAY AVE, LANCASTER, KY 40444-8955 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Nov 20, 2017 |
| Property Address | 197 CLAY AVE, LANCASTER, KY 40444-8955 |
| Document Number | 000291/322 |
| Book / Page | 291 / 322 |
| Map Reference | PL CAB 3 SL 7 |
| Instrument Date | Nov 16, 2017 |
| Instrument | 136676 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1736, DANVILLE, KY 40423-1736 |
| Name | Verified Name |
|---|---|
| Address | 197 CLAY AVE, LANCASTER, KY 40444-8955 |
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 | $200,000 (-) Land $30,000 Building $170,000 | $200,000 (-) Land $30,000 Building $170,000 | |
| 2025 | $2,058.00 (-0.48%) | $200,000 (-) Land $30,000 Building $170,000 | $200,000 (-) Land $30,000 Building $170,000 |
| 2024 | $2,068.00 (-2.82%) | $200,000 (-) Land $30,000 Building $170,000 | $200,000 (-) Land $30,000 Building $170,000 |
| 2023 | $2,128.00 (+13.19%) | $200,000 (+14.29%) Land $30,000 Building $170,000 | $200,000 (+14.29%) Land $30,000 Building $170,000 |
| 2022 | $1,880.00 | $175,000 Land $30,000 Building $145,000 | $175,000 Land $30,000 Building $145,000 |
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 | 1 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 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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