214 Hunter Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 214 Hunter Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · built 1995
Lot Size	1.18 acres (51,437 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Nov 2025)
Tax Bill	$2,573 (2025)
Deeds & Mortgages	Feb 2025 Construction Loan Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03B-01-018`

Property Details

APN / Parcel Number

Primary APN	`03B-01-018`
Alternative APN	`12756`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Other
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,437 sqft (1.18 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Sewer	Connected

Location & Zoning

Account Number	12756
Street Address	214 HUNTER DR
City	LANCASTER
State	KY
Zip	40444-8910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 SECT II & HOUSE WOODLAWN ESTATES
Legal Subdivision	HOUSE WOODLAWN ESTATES
Legal Lot Number	7
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2037
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	214 HUNTER DR, LANCASTER, KY 40444-8910
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2025	Deed of Trust, Mortgage · Construction Mortgage PEOPLES EXCHANGE BANK (STANTON KY)
Nov 13, 2025	Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Nov 6, 2024	Deed, Transfer · Commercial Mortgage JOHN ROMPF

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Nov 6, 2024 · Amount on Record
Deed Document Number	2025201352
Deed Book / Page	334 / 750
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	214 HUNTER DR, LANCASTER, KY 40444-8910
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 S MAIN ST, WINCHESTER, KY 40391-2632

Mortgage

Document Number	00M453/907
Date	Feb 4, 2025
Book Page	M453/907
Instrument	191278

Lender

Name	PEOPLES EXCHANGE BANK (STANTON KY)
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jan 17, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Nov 13, 2025
Property Address	214 HUNTER DR, LANCASTER, KY 40444-8910
Document Number	00D334/750
Book / Page	D334 / 750
Map Reference	CAB 1 SL 320
Instrument Date	Nov 7, 2025
Instrument	201352
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 S MAIN ST, WINCHESTER, KY 40391-2632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 HUNTER DR, LANCASTER, KY 40444-8910

Mortgage

Document Number	0000201357
Date	Nov 13, 2025
Instrument	201357

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

November 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Nov 6, 2024
Property Address	214 HUNTER DR, LANCASTER, KY 40444-8910
Document Number	00D329/106
Book / Page	D329 / 106
Map Reference	CAB 1 SL 320
Instrument Date	Nov 4, 2024
Instrument	189433
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3245 HAWTHORNE DRIVE, NICHOLASVILLE, KY 40356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 S MAIN ST, WINCHESTER, KY 40391-2632

Mortgage

Document Number	0000189434
Date	Nov 6, 2024
Instrument	189434

Lender

Name	JOHN ROMPF
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Oct 31, 2027

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		$470,000 (+88%) Land $50,000 Building $420,000	$470,000 (+88%) Land $50,000 Building $420,000
2025	$2,573.00 (+8.2%)	$250,000 (+8.7%) Land $45,000 Building $205,000	$250,000 (+8.7%) Land $45,000 Building $205,000
2024	$2,378.00 (-2.82%)	$230,000 (-) Land $45,000 Building $185,000	$230,000 (-) Land $45,000 Building $185,000
2023	$2,447.00 (+5.98%)	$230,000 (+6.98%) Land $45,000 Building $185,000	$230,000 (+6.98%) Land $45,000 Building $185,000
2022	$2,309.00	$215,000 Land $40,000 Building $175,000	$215,000 Land $40,000 Building $175,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.01% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
kywimax Fixed Wireless · not low latency	25 / 5
All Points Broadband Fixed Wireless	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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