207 Emma Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 207 Emma Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 2017
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$209,500 (Mar 2020)
Tax Bill	$2,156 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-099.15`

Property Details

APN / Parcel Number

Primary APN	`11-099.15`
Alternative APN	`21921`

Interior

Stories	1 Story

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached

Location & Zoning

Account Number	21921
Street Address	207 EMMA DR
City	LANCASTER
State	KY
Zip	40444-7241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 CADES COVE
Legal Subdivision	CADES COVE
Legal Lot Number	15
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3001
Census Tract	970102

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	Individual Name on Record
Mailing Address	207 EMMA DR, LANCASTER, KY 40444-7241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Mar 30, 2020	Deed, Transfer
Sep 21, 2017	Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2020 · Amount on Record
Deed Sale	Mar 30, 2020 · Amount on Record
Prior Sale	Sep 21, 2017 · Amount on Record
Deed Document Number	2020156569
Deed Book / Page	302 / 542
Prior Transfer Date	Jan 3, 2007
Prior Transfer Doc	D242/853
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	207 EMMA DR, LANCASTER, KY 40444-7241
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M465/665
Date	Dec 2, 2025
Book Page	M465/665
Instrument	201813

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2055

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Mar 30, 2020
Property Address	207 EMMA DR, LANCASTER, KY 40444-7241
Document Number	D302/542
Book / Page	D302 / 542
Map Reference	DB 290 PG 472
Instrument Date	Mar 26, 2020
Instrument	156569
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11125 SPRINGFIELD RD, 11125, PERRYVILLE, KY 40468-8913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 EMMA DR, LANCASTER, KY 40444-7241

September 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 21, 2017
Property Address	207 EMMA DR, LANCASTER, KY 40444-7241
Document Number	290/472
Book / Page	290 / 472
Instrument Date	Sep 15, 2017
Instrument	135990
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	693 SWOPE LN, 693, LANCASTER, KY 40444-7175

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 EMMA DR, LANCASTER, KY 40444-7241

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		$209,500 (-) Land $35,000 Building $174,500	$209,500 (-) Land $35,000 Building $174,500
2025	$2,156.00 (-0.46%)	$209,500 (-) Land $35,000 Building $174,500	$209,500 (-) Land $35,000 Building $174,500
2024	$2,166.00 (-2.83%)	$209,500 (-) Land $35,000 Building $174,500	$209,500 (-) Land $35,000 Building $174,500
2023	$2,229.00 (-0.93%)	$209,500 (-) Land $35,000 Building $174,500	$209,500 (-) Land $35,000 Building $174,500
2022	$2,250.00	$209,500 Land $35,000 Building $174,500	$209,500 Land $35,000 Building $174,500

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	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.

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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	200 / 20
Verizon Fixed Wireless	25 / 6
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: T-Mobile.

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