Garrard County property record for 231 Deer Run, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · built 2000 |
| Lot Size | 0.427 acres (18,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,900 (Mar 2023) |
| Tax Bill | $2,565 (2025) |
| Deeds & Mortgages | May 2006 Line of Credit Aug 2010 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28E-35 |
| Primary APN | 28E-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,600 sqft (0.427 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 22998 |
|---|---|
| Street Address | 231 DEER RUN |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 35 & 35A .427 AC |
| Legal Subdivision | DEER RUN |
| Legal Lot Number | 35&35 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 970300 |
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 | 231 DEER RUN, LANCASTER, KY 40444-7049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2006 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK CENTRAL KENTUCKY |
| Aug 26, 2010 | Deed of Trust, Mortgage · Conventional Mortgage FORT KNOX FEDERAL CREDIT UNION |
| Apr 5, 2021 | Deed, Transfer |
| May 16, 2007 | Deed, Transfer · Conventional Mortgage FORT KNOX FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2023 · Amount on Record |
| Deed Sale | Mar 13, 2023 · Amount on Record |
| Prior Sale | Apr 5, 2021 · Amount on Record |
| Deed Document Number | 2023174526 |
| Deed Book / Page | 320 / 232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 231 DEER RUN, LANCASTER, KY 40444-7049 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M258/440 |
|---|---|
| Date | May 12, 2006 |
| Book Page | M258/440 |
| Instrument | 70496 |
| Name | FIFTH THIRD BANK CENTRAL KENTUCKY |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Apr 4, 2011 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 231 DEER RUN, LANCASTER, KY 40444-7049 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000M301/93 |
|---|---|
| Date | Aug 26, 2010 |
| Book Page | M301/93 |
| Instrument | 105389 |
| Name | FORT KNOX FEDERAL CREDIT UNION |
|---|---|
| Address | RADCLIFF, KY 40159 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 83 Months |
| Due | Jul 20, 2017 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 5, 2021 |
| Property Address | 231 DEER RUN, LANCASTER, KY 40444-7049 |
| Document Number | 00D308/844 |
| Book / Page | D308 / 844 |
| Map Reference | DB 244 PG 561 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 161302 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $230.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1814 CHESTNUT ST, KENOVA, WV 25530-1614 |
| Name | Verified Name |
|---|---|
| Address | 273 DEER RUN, LANCASTER, KY 40444-7049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 16, 2007 |
| Property Address | 231 DEER RUN, LANCASTER, KY 40444-7049 |
| Document Number | 00D244/561 |
| Book / Page | D244 / 561 |
| Instrument Date | May 10, 2007 |
| Instrument | 87980 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11924 E LAKE CIR, GREENWOOD VILLAGE, CO 80111-5260 |
| Name | Verified Name |
|---|---|
| Address | 231 DEER RUN, LANCASTER, KY 40444-7049 |
| Investor | Possibly a Property Investor |
| Document Number | 00M273/225 |
|---|---|
| Date | May 16, 2007 |
| Book Page | M273/225 |
| Instrument | 87981 |
| Name | FORT KNOX FEDERAL CREDIT UNION |
|---|---|
| Address | RADCLIFF, KY 40159 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2027 |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Municipality | Lancaster City |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $230,000 (-) Land $25,000 Building $205,000 | $230,000 (-) Land $25,000 Building $205,000 | |
| 2025 | $2,565.00 (-0.43%) | $230,000 (-) Land $25,000 Building $205,000 | $230,000 (-) Land $25,000 Building $205,000 |
| 2024 | $2,576.00 (-2.61%) | $230,000 (-) Land $25,000 Building $205,000 | $230,000 (-) Land $25,000 Building $205,000 |
| 2023 | $2,645.00 (-0.86%) | $230,000 (-) Land $25,000 Building $205,000 | $230,000 (-) Land $25,000 Building $205,000 |
| 2022 | $2,668.00 | $230,000 Land $25,000 Building $205,000 | $230,000 Land $25,000 Building $205,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 132 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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