Home Kentucky Garrard County Lancaster Fall Lick Rd
2289 Fall Lick Rd, Lancaster, KY 40444 Property Records
Garrard County property record for 2289 Fall Lick Rd, Lancaster, KY 40444
Property Summary
Property Type Rural Home Details 3 bd · 2.5 ba · built 1998 Lot Size 10 acres (435,600 sqft) Owner 2 Individual Names on File Last Sale $480,625 (May 2026) Tax Bill $1,853 (2025) Deeds & Mortgages May 2026 Sale & Mortgage Jun 2010 Mortgage + 9 more Flood Zone Zone X (minimal risk)APN 43-94.01
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Property Details APN / Parcel Number
Primary APN 43-94.01 Alternative APN
Interior
Bedrooms 3 Beds Full Baths 2.5 Baths Half Baths 1 Half Bath Stories 1 Story
Exterior
Year Built Built 1998 Effective Year Built Effective 1998 Exterior Material Vinyl Foundation Type Block Roof Type Gable Roof Material Composition Shingle Lot Area 435,600 sqft (10 acres) Garage Type Attached
Utilities, Heating & Cooling Cooling System Central Heating System Heat Pump Sewer Connected
Location & Zoning Account Number 18660 Street Address 2289 FALL LICK RD City LANCASTER State KY Zip 40444-9760 Property Category Residential Property Type Residential > Single Family > Rural Home Jurisdiction GARRARD KY Township / Civil Division LANCASTER Census Block Group 2 Census Block 2023 Census Tract 970300
Owner
2289 Fall Lick Rd, a rural home, is owned and occupied by two individuals who bought it in May 2026.
Source: Garrard County records, as of September 23, 2026
Owner of Record 2 Individual Names on File Mailing Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Occupancy Owner Occupied Owner Type Individual Vesting Remainderman
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial .
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Deeds, Mortgages & Sale History
Date Document May 13, 2026 Deed, Transfer · Conventional Mortgage STONE MORTGAGE CORPORATION Jun 23, 2010 Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN NATIONAL BANK Jun 18, 2012 Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK Mar 25, 2006 Deed of Trust, Mortgage · Line of Credit FARMERS BANK Jul 17, 2007 Deed of Trust, Mortgage · Line of Credit FARMERS BANK Nov 22, 2005 Deed of Trust, Mortgage · Line of Credit FARMERS BANK Sep 30, 2020 Deed, Transfer Sep 20, 2016 Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY Jun 3, 2015 Warranty Deed, Transfer Nov 10, 2005 Deed, Transfer Nov 10, 2005 Deed, Transfer
Assessor's Deed Record
Deed Names 2 Names on Deed Last Sale May 13, 2026 · Amount on File Deed Sale May 13, 2026 · Amount on File Prior Sale Sep 20, 2016 · Amount on File Deed Document Number 2026215277 Deed Book / Page 337 / 80 Record Updated Oct 29, 2026
May 2026: Deed, Transfer Document Type Deed Jurisdiction GARRARD KY Recording Date May 13, 2026 Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Document Number 0000215277 Book / Page 337 / 80 Instrument Date May 8, 2026 Instrument 2026.215277 Transaction Type Transfer Record Updated May 22, 2026 Title Company NONE LISTED ON DOCUMENT
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $48,543.63 Amount Accuracy Calculated from Transfer Tax Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Remainderman Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760
Mortgage
Document Number 0000215278, Date May 13, 2026 Instrument 2026.215278
Lender
Name STONE MORTGAGE CORPORATION
Agreement
Type Conventional Mortgage Amount Amount on Record Term 360 Months Due Jun 1, 2056
Interest
Rate Type Fixed Rate Rate 6.46% Initial Type Fixed Rate Max Rate -1%
June 2010: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction GARRARD KY Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Transaction Type Mortgage Record Updated May 5, 2026
Transferred To (Grantee/Buyer)
Name Verified Name Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760
Mortgage
Document Number 00M299/840 Date Jun 23, 2010 Book Page M299/840 Instrument 104526
Lender
Name FIRST SOUTHERN NATIONAL BANK Address LANCASTER, KY 40444
Agreement
Type Conventional Mortgage Amount Amount on Record Term 82 Months Due Mar 31, 2017
June 2012: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction GARRARD KY Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Transaction Type Mortgage Record Updated May 5, 2026
Transferred To (Grantee/Buyer)
Name Verified Name Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760
Mortgage
Document Number 000315/435 Date Jun 18, 2012 Book Page 315/435 Instrument 112452
Lender
Name FIRST SOUTHERN NATIONAL BANK Address LANCASTER, KY 40444
Agreement
Type Line of Credit Amount Amount on Record Term 108 Months Due Jun 2, 2021
March 2006: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction GARRARD KY Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Transaction Type Mortgage Record Updated May 5, 2026
Transferred To (Grantee/Buyer)
Name Verified Name Address 392 SETTLEMENT DR, LANCASTER, KY 40444-8244
Mortgage
Document Number 00M256/325 Date Mar 25, 2006 Book Page M256/325 Instrument 69769
Lender
Name FARMERS BANK Address NICHOLASVILLE, KY 40356
Agreement
Type Line of Credit Amount Amount on Record Term 360 Months Due Mar 23, 2036
July 2007: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction GARRARD KY Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Transaction Type Mortgage Record Updated May 5, 2026
Transferred To (Grantee/Buyer)
Mortgage
Document Number 00M275/874 Date Jul 17, 2007 Book Page M275/874 Instrument 90808
Lender
Name FARMERS BANK Address NICHOLASVILLE, KY 40356
Agreement
Type Line of Credit Amount Amount on Record Term 360 Months Due Jul 17, 2037
November 2005: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction GARRARD KY Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Transaction Type Mortgage Record Updated May 5, 2026
Transferred To (Grantee/Buyer)
Name Verified Name Address 392 SETTLEMENT DR, LANCASTER, KY 40444-8244
Mortgage
Document Number 00M252/118 Date Nov 22, 2005 Book Page M252/118 Instrument 68239
Lender
Name FARMERS BANK Address NICHOLASVILLE, KY 40356
Agreement
Type Line of Credit Amount Amount on Record Term 360 Months Due Nov 16, 2035
September 2020: Deed, Transfer Document Type Deed Jurisdiction GARRARD KY Recording Date Sep 30, 2020 Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Document Number 00D305/638 Book / Page D305 / 638 Map Reference DB 261 PG 431 Instrument Date Sep 29, 2020 Instrument 158967 Transaction Type Transfer Record Updated May 5, 2026
Transaction
Amount Amount on Record Tax $255.00 Amount Accuracy Calculated from Transfer Tax Additional
Transferred From (Grantor/Seller)
Name Verified Name Address 628 GAFFNEY RD, CRAB ORCHARD, KY 40419-8786
Transferred To (Grantee/Buyer)
Name Verified Name Address 2363 FALL LICK RD, LANCASTER, KY 40444-8453
September 2016: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction GARRARD KY Recording Date Sep 20, 2016 Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Document Number 000285/421 Book / Page 285 / 421 Instrument Date Sep 12, 2016 Instrument 131889 Transaction Type Transfer Record Updated May 5, 2026 Title Company ATTORNEY ONLY, ATTORNEY
Transaction
Amount Amount on Record Tax $195.00 Amount Accuracy Full Amount Stated Additional
Transferred From (Grantor/Seller)
Name Verified Name Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760
Transferred To (Grantee/Buyer)
Name Verified Name Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Investor Possibly a Property Investor
June 2015: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction GARRARD KY Recording Date Jun 3, 2015 Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Document Number 00D279/079 Book / Page D279 / 079 Instrument Date May 28, 2015 Instrument 125343 Transaction Type Transfer Record Updated May 5, 2026
Transaction
Amount Amount on Record Tax $186.50 Amount Accuracy Full Amount Stated Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Address 2363 FALL LICK RD, LANCASTER, KY 40444-8453
November 2005: Deed, Transfer Document Type Deed Jurisdiction GARRARD KY Recording Date Nov 10, 2005 Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Document Number 000235/491 Book / Page 235 / 491 Transaction Type Transfer Record Updated May 5, 2026
Transaction
Tax $0.00 Amount Accuracy Full Amount Stated Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760
November 2005: Deed, Transfer Document Type Deed Jurisdiction GARRARD KY Recording Date Nov 10, 2005 Property Address 2289 FALL LICK RD, LANCASTER, KY 40444-9760 Document Number 000235/488 Book / Page 235 / 488 Transaction Type Transfer Record Updated May 5, 2026
Transaction
Tax $0.00 Amount Accuracy Full Amount Stated Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Address 2363 FALL LICK RD, LANCASTER, KY 40444-8453
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Tax Assessment & Valuation
The 2025 property tax bill for 2289 Fall Lick Rd was $1,853, up 16.1% from the year before.
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 $175,000 (-) $305,000 (+74.29%) Land $295,000 Building $10,000 2025 $1,853.00 (+16.1%) $175,000 (+16.67%) Land $20,000 Building $155,000 $175,000 (+16.67%) Land $20,000 Building $155,000 2024 $1,596.00 (-2.74%) $150,000 (-) Land $15,000 Building $135,000 $150,000 (-) Land $15,000 Building $135,000 2023 $1,641.00 (-0.91%) $150,000 (-) Land $15,000 Building $135,000 $150,000 (-) Land $15,000 Building $135,000 2022 $1,656.00 $150,000 Land $15,000 Building $135,000 $150,000 Land $15,000 Building $135,000
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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Tax and assessment analysis, valuation & comps, ownership context, and lien insights — all in one PDF. See a sample report →
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Flood
FEMA maps place 2289 Fall Lick Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone Zone Xminimal risk Flood Insurance Requirement Not requiredlenders may require it Nearby Flood Policies 1 in force Nearby Flood Claims 1 (2015) Claims Outside the SFHA 1 of 1 Most Recent Claim Apr 2015 · rainfall accumulation
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
Wildfire risk around 2289 Fall Lick Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk Lowlower than 62% of the US · above 68% of Kentucky Wildfire Likelihood 0.05% annual chance Exposure Directburnable 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 INCprivate · 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 Nonelast 10 years Treatment and Procedure Nonelast 10 years Monitoring and Reporting 1last 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 6 locations within half a mile, as of December 31, 2025
Provider Max Down / Up (Mbps) SpectrumFiber 1,000 / 1,000
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