21 Cardinal Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 21 Cardinal Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Lot Size	0.538 acres (23,435 sqft)
Owner	Individual Name on File
Last Sale	$99,900 (Oct 2019)
Tax Bill	$623 (2025)
Deeds & Mortgages	Oct 2019 Sale Feb 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`L1-12-001`

Property Details

APN / Parcel Number

Primary APN	`L1-12-001`
Alternative APN	`21589`

Exterior

Lot Area	23,435 sqft (0.538 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	21589
Street Address	21 CARDINAL DR
City	LANCASTER
State	KY
Zip	40444-1057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & L
Legal Subdivision	PINES SUB
Legal Lot Number	1
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3002
Census Tract	970300

Owner

21 Cardinal Dr is owned and occupied by an individual who bought it in October 2019.

Source: Garrard County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	21 CARDINAL DR, LANCASTER, KY 40444-1057
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2019	Deed, Transfer FOUNDATION TITLE
Feb 7, 2019	Deed, Transfer
Apr 28, 2015	Deed, Transfer
Feb 12, 2013	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2019 · Amount on File
Deed Sale	Oct 25, 2019 · Amount on File
Prior Sale	Feb 7, 2019 · Amount on File
Deed Document Number	2019154648
Deed Book / Page	300 / 590
Record Updated	Oct 29, 2026

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 25, 2019
Property Address	21 CARDINAL DR, LANCASTER, KY 40444-1057
Document Number	00D300/590
Book / Page	D300 / 590
Map Reference	DB 76 PG 225
Instrument Date	Oct 11, 2019
Instrument	154648
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Tax	$100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	261 LANDON BROOKE WAY, LANCASTER, KY 40444-6512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CARDINAL DR, LANCASTER, KY 40444-1057

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Feb 7, 2019
Property Address	21 CARDINAL DR, LANCASTER, KY 40444-1057
Document Number	00D297/126
Book / Page	D297 / 126
Map Reference	DB 76 PG 225
Instrument Date	Feb 7, 2019
Instrument	145000
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$70.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name
Address	261 LANDON BROOKE WAY, LANCASTER, KY 40444-6512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CARDINAL DR, LANCASTER, KY 40444-1057

April 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 28, 2015
Property Address	21 CARDINAL DR, LANCASTER, KY 40444-1057
Document Number	00D278/648
Book / Page	D278 / 648
Instrument Date	Apr 13, 2015
Instrument	124953
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$50.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 DANVILLE ST APT 3, 3, LANCASTER, KY 40444-1094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1381 BETHEL RD, LANCASTER, KY 40444-8535

February 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Feb 12, 2013
Property Address	21 CARDINAL DR, LANCASTER, KY 40444-1057
Document Number	000269/435
Book / Page	269 / 435
Instrument	115319
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 CARDINAL DR, LANCASTER, KY 40444-1057

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 123, LANCASTER, KY 40444-0123

Tax Assessment & Valuation

The 2025 property tax bill for 21 Cardinal Dr was $623 with a homeowner's exemption, down 5.2% from the year before.

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Municipality	Lancaster City
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$105,000 (-) Land $20,000 Building $85,000	$105,000 (-) Land $20,000 Building $85,000
2025	$623.00 (-5.18%) Homeowner's exemption	$105,000 (-) Land $20,000 Building $85,000	$105,000 (-) Land $20,000 Building $85,000
2024	$657.00 (+6.83%) Homeowner's exemption	$105,000 (+5.11%) Land $20,000 Building $85,000	$105,000 (+5.11%) Land $20,000 Building $85,000
2023	$615.00 (-10.74%) Homeowner's exemption	$99,900 (-) Land $20,000 Building $79,900	$99,900 (-) Land $20,000 Building $79,900
2022	$689.00 Homeowner's exemption	$99,900 Land $20,000 Building $79,900	$99,900 Land $20,000 Building $79,900

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

Flood

FEMA maps place 21 Cardinal Dr 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

Wildfire risk around 21 Cardinal Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 240 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

May also be available: T-Mobile.

Nearby Properties on Cardinal Dr

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