Garrard County property record for 232 Clay Ave, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · built 2005 |
| Lot Size | 1.01 acres (44,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $193,500 (Dec 2011) |
| Tax Bill | $2,058 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-067.42 |
| Primary APN | 10-067.42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 44,068 sqft (1.01 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 15427 |
|---|---|
| Street Address | 232 CLAY AVE |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8958 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33 1.013 |
| Legal Subdivision | MEADOWS @ DAYCREST |
| Legal Lot Number | 33 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970101 |
232 Clay Ave is owned and occupied by two individuals who bought it in December 2011.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 CLAY AVE, LANCASTER, KY 40444-8958 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2011 · Amount on File |
| Deed Sale | Dec 29, 2011 · Amount on File |
| Deed Document Number | 2011547 |
| Deed Book / Page | 264 / 636 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 232 Clay Ave was $2,058, down 0.5% from the year before.
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 | $200,000 (-) Land $30,000 Building $170,000 | $200,000 (-) Land $30,000 Building $170,000 | |
| 2025 | $2,058.00 (-0.48%) | $200,000 (-) Land $30,000 Building $170,000 | $200,000 (-) Land $30,000 Building $170,000 |
| 2024 | $2,068.00 (-2.82%) | $200,000 (-) Land $30,000 Building $170,000 | $200,000 (-) Land $30,000 Building $170,000 |
| 2023 | $2,128.00 (+4.26%) | $200,000 (+5.26%) Land $30,000 Building $170,000 | $200,000 (+5.26%) Land $30,000 Building $170,000 |
| 2022 | $2,041.00 | $190,000 Land $30,000 Building $160,000 | $190,000 Land $30,000 Building $160,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 Clay Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 232 Clay Ave 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.
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 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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