Garrard County property record for 233 Oak Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 1.6 acres (70,022 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (May 2018) |
| Tax Bill | $1,389 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage May 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18B-03-008 |
| Primary APN | 18B-03-008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Exterior Material | Brick Veneer |
|---|---|
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 70,022 sqft (1.6 acres) |
| Garage Type | Basement |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 20095 |
|---|---|
| Street Address | 233 OAK DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 |
| Legal Subdivision | WHISPERING HILLS EST |
| Legal Lot Number | 20 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 970102 |
233 Oak Dr is owned and occupied by an individual who bought it in May 2018.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 233 OAK DR, LANCASTER, KY 40444-9045 |
| 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.
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS BANK |
| May 7, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2018 · Amount on File |
| Deed Sale | May 7, 2018 · Amount on File |
| Deed Document Number | 2018138441 |
| Deed Book / Page | 293 / 523 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 13, 2026 |
| Property Address | 233 OAK DR, LANCASTER, KY 40444-9045 |
| Document Number | 0000213789 |
| Book / Page | 470 / 329 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 2026213789 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 233 OAK DR, LANCASTER, KY 40444-9045 |
| Document Number | 0000213789, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 470/329 |
| Instrument | 2026213789 |
| Name | FARMERS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 7, 2018 |
| Property Address | 233 OAK DR, LANCASTER, KY 40444-9045 |
| Document Number | 000293/523 |
| Book / Page | 293 / 523 |
| Instrument Date | May 2, 2018 |
| Instrument | 138441 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2121 NICHOLASVILLE RD, 2121, LEXINGTON, KY 40503-2519 |
| Name | Verified Name |
|---|---|
| Address | 233 OAK DR, LANCASTER, KY 40444-9045 |
The 2025 property tax bill for 233 Oak Dr was $1,389, 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 | $135,000 (-) Land $30,000 Building $105,000 | $135,000 (-) Land $30,000 Building $105,000 | |
| 2025 | $1,389.00 (-0.5%) | $135,000 (-) Land $30,000 Building $105,000 | $135,000 (-) Land $30,000 Building $105,000 |
| 2024 | $1,396.00 (+9.32%) | $135,000 (+12.5%) Land $30,000 Building $105,000 | $135,000 (+12.5%) Land $30,000 Building $105,000 |
| 2023 | $1,277.00 (-0.93%) | $120,000 (-) Land $20,000 Building $100,000 | $120,000 (-) Land $20,000 Building $100,000 |
| 2022 | $1,289.00 | $120,000 Land $20,000 Building $100,000 | $120,000 Land $20,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 233 Oak 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 risk around 233 Oak Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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