230 Donna Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 230 Donna Dr, Lancaster, KY 40444

Property Summary

Property Type	Residential Vacant Land
Lot Size	4.89 acres (213,008 sqft)
Owner	2 Individual Names on File
Last Sale	$56,000 (Jul 2023)
Tax Bill	$576 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-25.089`

Property Details

APN / Parcel Number

Primary APN	`12-25.089`
Alternative APNs	`22645` `25019`

Exterior

Lot Area	213,008 sqft (4.89 acres)

Location & Zoning

Account Number	25019
Street Address	DONNA DR
City	LANCASTER
State	KY
Zip	40444
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 104 PC 4-80 4.89 AC
Legal Subdivision	CAMP DICK ACRES
Legal Lot Number	104
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2024
Census Tract	970102

Owner

230 Donna Dr, residential vacant land, is owned by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	525 HARLAN DR, NICHOLASVILLE, KY 40356-3001
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
Feb 3, 2026	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Mar 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Jul 10, 2023	Warranty Deed, Transfer
Jul 10, 2023	Warranty Deed, Transfer
Feb 8, 2021	Deed, Transfer BLUEGRASS LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2023 · Amount on File
Deed Sale	Jul 10, 2023 · Amount on File
Deed Document Number	2023176837
Deed Book / Page	321 / 919
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	DONNA DR, LANCASTER, KY 40444
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 DONNA DR, LANCASTER, KY 40444-7930

Mortgage

Document Number	00M467/695
Date	Feb 3, 2026
Book Page	M467/695
Instrument	203687

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	DONNA DR, LANCASTER, KY 40444
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	RAINBOW TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 DONNA DR, LANCASTER, KY 40444-7930

Mortgage

Document Number	00M455/217
Date	Mar 14, 2025
Book Page	M455/217
Instrument	192488

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Max Rate	13.2%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 10, 2023
Property Address	DONNA DR, LANCASTER, KY 40444
Document Number	00D321/919
Book / Page	D321 / 919
Map Reference	DB 307 PG 804
Instrument Date	Jul 6, 2023
Instrument	176837
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Amount	Amount on Record
Tax	$56.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 ANGELA TRL, NICHOLASVILLE, KY 40356-2662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 HARLAN DR, NICHOLASVILLE, KY 40356-3001

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 10, 2023
Property Address	DONNA DR, LANCASTER, KY 40444
Document Number	00D321/919
Book / Page	D321 / 919
Map Reference	DB 307 PG 804
Instrument Date	Jul 6, 2023
Instrument	176837
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$56.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 ANGELA TRL, NICHOLASVILLE, KY 40356-2662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 HARLAN DR, NICHOLASVILLE, KY 40356-3001

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Feb 8, 2021
Property Address	DONNA DR, LANCASTER, KY 40444
Document Number	00D307/804
Book / Page	D307 / 804
Map Reference	DB 302 PG 801
Instrument Date	Feb 3, 2021
Instrument	160549
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount on Record
Tax	$52.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	239 RIVER RUN DR, LANCASTER, KY 40444-7408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 ANGELA TRL, NICHOLASVILLE, KY 40356-2662

Tax Assessment & Valuation

The 2025 property tax bill for 230 Donna Dr was $576, down 0.5% 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		$156,000 (+178.57%) Land $56,000 Building $100,000	$156,000 (+178.57%) Land $56,000 Building $100,000
2025	$576.00 (-0.52%)	$56,000 (-) Land $56,000	$56,000 (-) Land $56,000
2024	$579.00 (+3.76%)	$56,000 (+6.67%) Land $56,000	$56,000 (+6.67%) Land $56,000
2023	$558.00 (-1.06%)	$52,500 (-) Land $52,500	$52,500 (-) Land $52,500
2022	$564.00	$52,500 Land $52,500	$52,500 Land $52,500

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

Flood

FEMA maps place 230 Donna Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 230 Donna 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	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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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