203 River Run Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 203 River Run Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 2017
Lot Size	1.02 acres (44,605 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Oct 2023)
Tax Bill	$4,631 (2025)
Deeds & Mortgages	Mar 2013 Mortgage Apr 2026 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18D-18`

Property Details

APN / Parcel Number

Primary APN	`18D-18`
Alternative APNs	`23492` `25298`

Interior

Stories	1 Story

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Lot Area	44,605 sqft (1.02 acres)
Garage Type	Attached

Location & Zoning

Account Number	25298
Street Address	203 RIVER RUN DR
City	LANCASTER
State	KY
Zip	40444-7408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOT 18 1.024 AC RIVER RUN
Legal Subdivision	RIVER RUN
Legal Lot Number	18
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2010
Census Tract	970101

Owner

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	2 Individual Names on Record
Mailing Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2013	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK, FSB
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC
Oct 19, 2023	Deed, Transfer ACCOMODATION, ACCOMMODATION
Sep 20, 2021	Deed, Transfer
Jun 9, 2017	Deed, Transfer
Dec 9, 2009	Deed, Transfer
Apr 14, 2009	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on Record
Deed Sale	Oct 19, 2023 · Amount on Record
Prior Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	2023178835
Deed Book / Page	323 / 479
Transfer Doc	000253/639
Record Updated	Oct 29, 2026

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE COMPANY, INC.

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000322/163
Date	Mar 14, 2013
Book Page	322/163
Instrument	115727

Lender

Name	GUARDIAN SAVINGS BANK, FSB

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2028

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Apr 13, 2026
Property Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408
Document Number	0000213847
Book / Page	470 / 396
Instrument Date	Dec 22, 2025
Instrument	2026213847
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408

Mortgage

Document Number	0000213847,
Date	Apr 13, 2026
Book Page	470/396
Instrument	2026213847

Lender

Name	CITIZENS BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	296 Months
Due	Dec 28, 2050

Interest

Rate	6.26%
Max Rate	-1%

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 19, 2023
Property Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408
Document Number	00D323/479
Book / Page	D323 / 479
Map Reference	CAB 3 SL 43
Instrument Date	Oct 10, 2023
Instrument	178835
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	313 FRIENDLY AVE, NICHOLASVILLE, KY 40356-1508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 20, 2021
Property Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408
Document Number	000D312/40
Book / Page	D312 / 40
Map Reference	DB 289 PG 82
Instrument Date	Sep 9, 2021
Instrument	164587
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount Recorded
Tax	$435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 E BRANNON RD, NICHOLASVILLE, KY 40356-6080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jun 9, 2017
Property Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408
Document Number	000289/082
Book / Page	289 / 082
Instrument Date	Jun 2, 2017
Instrument	134840
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount Recorded
Tax	$22.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 RIVER RUN DR, LANCASTER, KY 40444-7408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 TOM SPRAGENS RD, DANVILLE, KY 40422-8716
Investor	Possibly a Property Investor

December 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 9, 2009
Property Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408
Document Number	000256/889
Book / Page	256 / 889
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2009: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 14, 2009
Property Address	203 RIVER RUN DR, LANCASTER, KY 40444-7408
Document Number	000253/639
Book / Page	253 / 639
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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		$450,000 (-) Land $45,000 Building $405,000	$450,000 (-) Land $45,000 Building $405,000
2025	$4,631.00 (-0.49%)	$450,000 (-) Land $45,000 Building $405,000	$450,000 (-) Land $45,000 Building $405,000
2024	$4,654.00 (+0.54%)	$450,000 (+3.45%) Land $45,000 Building $405,000	$450,000 (+3.45%) Land $45,000 Building $405,000
2023	$4,629.00 (-0.94%)	$435,000 (-) Land $40,000 Building $395,000	$435,000 (-) Land $40,000 Building $395,000
2022	$4,673.00	$435,000 Land $40,000 Building $395,000	$435,000 Land $40,000 Building $395,000

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

Flood

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

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 58 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

May also be available: All Points Broadband, kywimax.

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