Garrard County property record for 283 Windswept Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · built 1975 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,324 (2025) |
| Deeds & Mortgages | Oct 2009 Mortgage Apr 2014 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-53 |
| Primary APN | 35-53 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft (4 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 18555 |
|---|---|
| Street Address | 283 WINDSWEPT DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & 4 AC |
| Legal Subdivision | WINDSWEPT |
| Legal Lot Number | 10 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 970300 |
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 | 283 WINDSWEPT DR, LANCASTER, KY 40444-9762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 8, 2009 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| Apr 11, 2014 | Quit Claim Deed, Transfer Quitclaim |
| Oct 8, 2009 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 3, 2014 |
| Transfer Doc | 000274/387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 283 WINDSWEPT DR, LANCASTER, KY 40444-9762 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M295/378 |
|---|---|
| Date | Oct 8, 2009 |
| Book Page | M295/378 |
| Instrument | 101603 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Address | HOUSTON, TX 77005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 11, 2014 |
| Property Address | 283 WINDSWEPT DR, LANCASTER, KY 40444-9762 |
| Document Number | 000274/387 |
| Book / Page | 274 / 387 |
| Instrument Date | Apr 3, 2014 |
| Instrument | 120302 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 283 WINDSWEPT DR, LANCASTER, KY 40444-9762 |
| Name | Verified Name |
|---|---|
| Address | 283 WINDSWEPT DR, LANCASTER, KY 40444-9762 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Oct 8, 2009 |
| Property Address | 283 WINDSWEPT DR, LANCASTER, KY 40444-9762 |
| Document Number | 000256/232 |
| Book / Page | 256 / 232 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $125,000 (-) Land $30,000 Building $95,000 | $125,000 (-) Land $30,000 Building $95,000 | |
| 2025 | $1,324.00 (-0.45%) | $125,000 (+13.64%) Land $30,000 Building $95,000 | $125,000 (+13.64%) Land $30,000 Building $95,000 |
| 2024 | $1,330.00 (-2.71%) | $110,000 (-) Land $30,000 Building $80,000 | $110,000 (-) Land $30,000 Building $80,000 |
| 2023 | $1,367.00 (-0.94%) | $110,000 (-) Land $30,000 Building $80,000 | $110,000 (-) Land $30,000 Building $80,000 |
| 2022 | $1,380.00 | $110,000 Land $30,000 Building $80,000 | $110,000 Land $30,000 Building $80,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2015 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% 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 12 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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