Garrard County property record for 229 Estes Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · built 1975 |
| Lot Size | 0.406 acres (17,720 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $194,000 (Jan 2026) |
| Tax Bill | $953 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35A-03-015 |
| Primary APN | 35A-03-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,720 sqft (0.406 acres) |
| Garage Type | Attached |
| Sewer | Connected |
|---|
| Account Number | 15487 |
|---|---|
| Street Address | 229 ESTES DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7880 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Legal Subdivision | ESTES SUB |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 970300 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 229 ESTES DR, LANCASTER, KY 40444-7880 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2026 · Amount on File |
| Deed Sale | Jan 28, 2026 · Amount on File |
| Deed Document Number | 2026203562 |
| Deed Book / Page | 335 / 708 |
| Prior Transfer Date | Feb 29, 2012 |
| Prior Transfer Doc | 000265/275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 229 ESTES DR, LANCASTER, KY 40444-7880 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 31 WOODBURN LN, LANCASTER, KY 40444-7473 |
| Document Number | 00M467/538 |
|---|---|
| Date | Jan 28, 2026 |
| Book Page | M467/538 |
| Instrument | 203563 |
| Name | NOVUS HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | BROOKFIELD, WI 53045 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $120,000 (+33.33%) Land $25,000 Building $95,000 | $120,000 (+33.33%) Land $25,000 Building $95,000 | |
| 2025 | $953.00 (-0.42%) | $90,000 (-) Land $25,000 Building $65,000 | $90,000 (-) Land $25,000 Building $65,000 |
| 2024 | $957.00 (+2.9%) | $90,000 (+5.88%) Land $25,000 Building $65,000 | $90,000 (+5.88%) Land $25,000 Building $65,000 |
| 2023 | $930.00 (-0.85%) | $85,000 (-) Land $20,000 Building $65,000 | $85,000 (-) Land $20,000 Building $65,000 |
| 2022 | $938.00 | $85,000 Land $20,000 Building $65,000 | $85,000 Land $20,000 Building $65,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 70 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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