Garrard County property record for 202 W Maple Ave, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.162 acres (7,056 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Nov 2025) |
| Tax Bill | $1,171 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | L1-09-010 |
| Primary APN | L1-09-010 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|
| Exterior Material | Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,056 sqft (0.162 acres) |
| Sewer | Connected |
|---|
| Account Number | 13232 |
|---|---|
| Street Address | 202 W MAPLE AVE |
| City | LANCASTER |
| State | KY |
| Zip | 40444-1041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 202 W MAPLE AVE |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 970201 |
202 W Maple Ave is owned and occupied by two individuals who bought it in November 2025.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 202 W MAPLE AVE, LANCASTER, KY 40444-1041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| Nov 20, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2025 · Amount on File |
| Deed Sale | Nov 20, 2025 · Amount on File |
| Prior Sale | Oct 17, 2024 · Amount on File |
| Deed Document Number | 2025201622 |
| Deed Book / Page | 334 / 850 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 23, 2026 |
| Property Address | 202 W MAPLE AVE, LANCASTER, KY 40444-1041 |
| Document Number | 0000218671 |
| Book / Page | 475 / 144 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 2026218671 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 202 W MAPLE AVE, LANCASTER, KY 40444-1041 |
| Document Number | 0000218671, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 475/144 |
| Instrument | 2026218671 |
| Name | WHITAKER BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 202 W MAPLE AVE, LANCASTER, KY 40444-1041 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 307 DANVILLE ST, LANCASTER, KY 40444-1030 |
| Document Number | 00M465/315 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | M465/315 |
| Instrument | 201623 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 19, 2026 |
The 2025 property tax bill for 202 W Maple Ave was $1,171, down 0.4% from the year before.
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Municipality | Lancaster City |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $145,000 (+38.1%) Land $25,000 Building $120,000 | $145,000 (+38.1%) Land $25,000 Building $120,000 | |
| 2025 | $1,171.00 (-0.43%) | $105,000 (-) Land $25,000 Building $80,000 | $105,000 (-) Land $25,000 Building $80,000 |
| 2024 | $1,176.00 (+7.69%) | $105,000 (+10.53%) Land $25,000 Building $80,000 | $105,000 (+10.53%) Land $25,000 Building $80,000 |
| 2023 | $1,092.00 (-0.91%) | $95,000 (-) Land $25,000 Building $70,000 | $95,000 (-) Land $25,000 Building $70,000 |
| 2022 | $1,102.00 | $95,000 Land $25,000 Building $70,000 | $95,000 Land $25,000 Building $70,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 202 W Maple Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 202 W Maple Ave is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | LANCASTER WATER WORKS serves 4,573 people · EPA ID KY0400233 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 314 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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