284 Windy Rdg, Lancaster, KY 40444 Property Records

Garrard County property record for 284 Windy Rdg, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · built 2001
Lot Size	1.57 acres (68,563 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Sep 2023)
Tax Bill	$2,012 (2025)
Deeds & Mortgages	Dec 2011 Mortgage Sep 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`42-14.01`

Property Details

APN / Parcel Number

Primary APN	`42-14.01`
Alternative APNs	`25210` `7797`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	68,563 sqft (1.57 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	25210
Street Address	284 WINDY RDG
City	LANCASTER
State	KY
Zip	40444-9464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.574 AC
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1050
Census Tract	970202

Owner

Source: Garrard County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	284 WINDY RDG, LANCASTER, KY 40444-9464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2011	Deed of Trust, Mortgage CHURCHILL MORTGAGE CORPORATION
Sep 20, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Deed Document Number	2023178087
Deed Book / Page	323 / 106
Prior Transfer Date	Sep 19, 2023
Prior Transfer Doc	0000178087
Record Updated	Oct 29, 2026

December 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	284 WINDY RDG, LANCASTER, KY 40444-9464
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000311/460
Date	Dec 28, 2011
Book Page	311/460
Instrument	110541

Lender

Name	CHURCHILL MORTGAGE CORPORATION

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2027

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 20, 2023
Property Address	284 WINDY RDG, LANCASTER, KY 40444-9464
Document Number	00D323/106
Book / Page	D323 / 106
Instrument Date	Sep 19, 2023
Instrument	178087
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$175.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	284 WINDY RDG, LANCASTER, KY 40444-9464

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	284 WINDY RDG, LANCASTER, KY 40444-9464
Investor	Possibly a Property Investor

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		$190,000 (-) Land $30,000 Building $160,000	$190,000 (-) Land $30,000 Building $160,000
2025	$2,012.00 (+8.06%)	$190,000 (+8.57%) Land $30,000 Building $160,000	$190,000 (+8.57%) Land $30,000 Building $160,000
2024	$1,862.00 (+6.4%)	$175,000 (+9.38%) Land $25,000 Building $150,000	$175,000 (+9.38%) Land $25,000 Building $150,000
2023	$1,750.00 (-0.91%)	$160,000 (-) Land $20,000 Building $140,000	$160,000 (-) Land $20,000 Building $140,000
2022	$1,766.00	$160,000 Land $20,000 Building $140,000	$160,000 Land $20,000 Building $140,000

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 68% 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.

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Windstream DSL	10 / 1

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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