Garrard County property record for 28 Freedom Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.59 acres (69,526 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $668 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 50-101 |
| Primary APN | 50-101 |
|---|---|
| Alternative APN |
|
| Lot Area | 69,526 sqft (1.59 acres) |
|---|
| Sewer | Connected |
|---|
| Account Number | 4582 |
|---|---|
| Street Address | 28 FREEDOM RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 970202 |
28 Freedom Rd is owned and occupied by two individuals.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 FREEDOM RD, LANCASTER, KY 40444-8506 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 28 FREEDOM RD, LANCASTER, KY 40444-8506 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28 FREEDOM RD, LANCASTER, KY 40444-8506 |
| Investor | Possibly a Property Investor |
| Document Number | 000M467/26 |
|---|---|
| Date | Jan 7, 2026 |
| Book Page | M467/26 |
| Instrument | 202884 |
| Name | SHOREHAM BANK |
|---|---|
| Type | Bank |
| Address | WARWICK, RI 02886 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 176 Months |
| Due | Sep 9, 2040 |
The 2025 property tax bill for 28 Freedom Rd was $668, up 29.5% 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 | $65,000 (-) Land $30,000 Building $35,000 | $65,000 (-) Land $30,000 Building $35,000 | |
| 2025 | $668.00 (+29.46%) | $65,000 (+3%) Land $30,000 Building $35,000 | $65,000 (+3%) Land $30,000 Building $35,000 |
| 2024 | $516.00 (-2.82%) | $50,000 (-) Land $20,000 Building $30,000 | $50,000 (-) Land $20,000 Building $30,000 |
| 2023 | $531.00 (-0.93%) | $50,000 (-) Land $20,000 Building $30,000 | $50,000 (-) Land $20,000 Building $30,000 |
| 2022 | $536.00 | $50,000 Land $20,000 Building $30,000 | $50,000 Land $20,000 Building $30,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Freedom 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 | 4 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 28 Freedom Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 50 / 3 |
5G and 4G LTE (outdoors only)
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