2660 Sutton Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 2660 Sutton Ln, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · built 1989
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jan 2015)
Tax Bill	$1,389 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Jan 2015 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-17`

Property Details

APN / Parcel Number

Primary APN	`05-17`
Alternative APN	`17389`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	17389
Street Address	2660 SUTTON LN
City	LANCASTER
State	KY
Zip	40444-8283
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3018
Census Tract	970102

Owner

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	Individual Name on Record
Mailing Address	2660 SUTTON LN, LANCASTER, KY 40444-8283
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2025	Deed of Trust, Mortgage · Commercial Mortgage FIRST SOUTHERN NATIONAL BANK
Jan 27, 2015	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2015 · Amount on Record
Deed Sale	Jan 27, 2015 · Amount on Record
Deed Document Number	2015124039
Deed Book / Page	277 / 812
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	2660 SUTTON LN, LANCASTER, KY 40444-8283
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2660 SUTTON LN, LANCASTER, KY 40444-8283

Mortgage

Document Number	00M456/723
Date	Apr 21, 2025
Book Page	M456/723
Instrument	193943

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	LANCASTER, KY 40444

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	115 Months
Due	Oct 31, 2034

January 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jan 27, 2015
Property Address	2660 SUTTON LN, LANCASTER, KY 40444-8283
Document Number	00D277/812
Book / Page	D277 / 812
Instrument Date	Jan 23, 2015
Instrument	124039
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2082 RAMBLER RD, LEXINGTON, KY 40503-2432

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2660 SUTTON LN, LANCASTER, KY 40444-8283

Tax Assessment & Valuation

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		$135,000 (-)	$185,000 (+37.04%) Land $185,000
2025	$1,389.00 (-0.5%)	$135,000 (-) Land $20,000 Building $115,000	$135,000 (-) Land $20,000 Building $115,000
2024	$1,396.00 (-2.79%)	$135,000 (-) Land $20,000 Building $115,000	$135,000 (-) Land $20,000 Building $115,000
2023	$1,436.00 (+2.87%)	$135,000 (+3.85%) Land $20,000 Building $115,000	$135,000 (+3.85%) Land $20,000 Building $115,000
2022	$1,396.00	$130,000 Land $20,000 Building $110,000	$130,000 Land $20,000 Building $110,000

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

Flood

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

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 12 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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