Garrard County property record for 249 Delbert Ball Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · built 1920 |
| Lot Size | 8.62 acres (375,487 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Oct 2025) |
| Tax Bill | $648 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan Jun 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-39.01 |
| Primary APN | 24-39.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 375,487 sqft (8.62 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Space Heater |
| Sewer | Connected |
| Account Number | 15483 |
|---|---|
| Street Address | 249 DELBERT BALL RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8387 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 8.62 AC & H |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 970102 |
249 Delbert Ball Rd is owned by an individual who bought it in October 2025.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 257 LAKEVIEW PT, HARRODSBURG, KY 40330-8888 |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Jun 24, 2026 | Deed of Trust, Mortgage · Construction Mortgage WHITAKER BANK INC |
| Jun 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| Oct 14, 2025 | Deed of Trust, Mortgage · Construction Mortgage WHITAKER BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 14, 2025 · Amount on File |
| Deed Sale | Oct 14, 2025 · Amount on File |
| Prior Sale | Feb 22, 2012 · Amount on File |
| Deed Document Number | 2025200144 |
| Deed Book / Page | 334 / 231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 24, 2026 |
| Property Address | 249 DELBERT BALL RD, LANCASTER, KY 40444-8387 |
| Document Number | 0000216786 |
| Book / Page | 473 / 769 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 2026216786 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 257 LAKEVIEW PT, HARRODSBURG, KY 40330-8888 |
| Document Number | 0000216786, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 473/769 |
| Instrument | 2026216786 |
| Name | WHITAKER BANK INC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 24, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 24, 2026 |
| Property Address | 249 DELBERT BALL RD, LANCASTER, KY 40444-8387 |
| Document Number | 0000216784 |
| Book / Page | 473 / 752 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 2026216784 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 257 LAKEVIEW PT, HARRODSBURG, KY 40330-8888 |
| Document Number | 0000216784, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 473/752 |
| Instrument | 2026216784 |
| Name | WHITAKER BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 23, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 249 DELBERT BALL RD, LANCASTER, KY 40444-8387 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 257 LAKEVIEW PT, HARRODSBURG, KY 40330-8888 |
| Document Number | 00M463/537 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | M463/537 |
| Instrument | 200145 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 14, 2026 |
The 2025 property tax bill for 249 Delbert Ball Rd was $648, 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 | $150,000 (+138.1%) Land $50,000 Building $100,000 | $150,000 (+138.1%) Land $50,000 Building $100,000 | |
| 2025 | $648.00 (-0.46%) | $63,000 (-) Land $38,000 Building $25,000 | $63,000 (-) Land $38,000 Building $25,000 |
| 2024 | $651.00 (+5.51%) | $63,000 (+8.62%) Land $38,000 Building $25,000 | $63,000 (+8.62%) Land $38,000 Building $25,000 |
| 2023 | $617.00 (-0.96%) | $58,000 (-) Land $38,000 Building $20,000 | $58,000 (-) Land $38,000 Building $20,000 |
| 2022 | $623.00 | $58,000 Land $38,000 Building $20,000 | $58,000 Land $38,000 Building $20,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 249 Delbert Ball Rd 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 249 Delbert Ball Rd is low, with a 0.04% 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 | 0.04% 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
5G (outdoors only) and 4G LTE
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