Garrard County property record for 315 Onstott Rd, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | built 2020 |
| Lot Size | 11 acres (479,160 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,788 (2025) |
| Deeds & Mortgages | May 2012 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-20.04 |
| Primary APN | 24-20.04 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Metal |
| Lot Area | 479,160 sqft (11 acres) |
| Account Number | 16851 |
|---|---|
| Street Address | 315 ONSTOTT RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 11 ACS |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 970102 |
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 | 315 ONSTOTT RD, LANCASTER, KY 40444-9509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 315 ONSTOTT RD, LANCASTER, KY 40444-9509 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 309 ONSTOTT RD, LANCASTER, KY 40444-9509 |
| Document Number | 000314/830 |
|---|---|
| Date | May 25, 2012 |
| Book Page | 314/830 |
| Instrument | 112129 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Address | LANCASTER, KY 40444 |
| Amount | Amount Recorded |
|---|---|
| Term | 108 Months |
| Due | May 21, 2021 |
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 | $173,800 (-) | $285,000 (+63.98%) Land $285,000 | |
| 2025 | $1,788.00 (-0.5%) | $173,800 (-) Land $13,800 Building $160,000 | $173,800 (-) Land $13,800 Building $160,000 |
| 2024 | $1,797.00 (-2.81%) | $173,800 (-) Land $13,800 Building $160,000 | $173,800 (-) Land $13,800 Building $160,000 |
| 2023 | $1,849.00 (-0.96%) | $173,800 (-) Land $13,800 Building $160,000 | $173,800 (-) Land $13,800 Building $160,000 |
| 2022 | $1,867.00 | $173,800 Land $13,800 Building $160,000 | $173,800 Land $13,800 Building $160,000 |
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 | 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.
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 | 0.03% 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
5G and 4G LTE (outdoors only)
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