302 Emma Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 302 Emma Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,280 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`11-099.64`

Property Details

APN / Parcel Number

Primary APN	`11-099.64`
Alternative APN	`19794`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	19794
Street Address	302 EMMA DR
City	LANCASTER
State	KY
Zip	40444-7242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 64 CADES COVE
Legal Subdivision	CADES COVE
Legal Lot Number	64
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3005
Census Tract	970102

Owner

302 Emma Dr 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	302 EMMA DR, LANCASTER, KY 40444-7242
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Jan 12, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	302 EMMA DR, LANCASTER, KY 40444-7242
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 EMMA DR, LANCASTER, KY 40444-7242

Mortgage

Document Number	00M465/370
Date	Nov 20, 2025
Book Page	M465/370
Instrument	201632

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jan 12, 2018
Property Address	302 EMMA DR, LANCASTER, KY 40444-7242
Document Number	000291/864
Book / Page	291 / 864
Map Reference	PL CAB 3 SL 170
Instrument Date	Jan 10, 2018
Instrument	137187
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$173.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	143 EASTERN AVE, LANCASTER, KY 40444-8918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 EMMA DR, LANCASTER, KY 40444-7242
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 302 Emma Dr was $1,280 with a disabled person's exemption, down 2.7% from the year before.

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		$173,500 (-) Land $25,000 Building $148,500	$173,500 (-) Land $25,000 Building $148,500
2025	$1,280.00 (-2.66%) Disabled Person's exemption Veteran's exemption	$173,500 (-) Land $25,000 Building $148,500	$173,500 (-) Land $25,000 Building $148,500
2024	$1,315.00 (-2.81%) Disabled Person's exemption Veteran's exemption	$173,500 (-) Land $25,000 Building $148,500	$173,500 (-) Land $25,000 Building $148,500
2023	$1,353.00 (-5.25%) Disabled Person's exemption Veteran's exemption	$173,500 (-) Land $25,000 Building $148,500	$173,500 (-) Land $25,000 Building $148,500
2022	$1,428.00 Disabled Person's exemption Veteran's exemption	$173,500 Land $25,000 Building $148,500	$173,500 Land $25,000 Building $148,500

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

Flood

FEMA maps place 302 Emma Dr 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

Wildfire risk around 302 Emma Dr is low, with a 0.02% 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	0.02% 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	200 / 20
Verizon Fixed Wireless	25 / 6
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: T-Mobile.

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