Garrard County property record for 317 Ross Rd, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 6 bd · 1 ba · built 1918 |
| Lot Size | 77.5 acres (3,375,900 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Sep 2019) |
| Tax Bill | $771 (2025) |
| Deeds & Mortgages | Dec 2006 Mortgage Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 55-03 |
| Primary APN | 55-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Exterior Material | Vinyl |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,375,900 sqft (77.5 acres) |
| Garage Type | Detached |
| Heating System | Space Heater |
|---|---|
| Sewer | Connected |
| Account Number | 7859 |
|---|---|
| Street Address | 317 ROSS RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 970202 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 317 ROSS RD, LANCASTER, KY 40444-9728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2006 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC |
| Sep 30, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2019 · Amount on Record |
| Deed Sale | Sep 30, 2019 · Amount on Record |
| Deed Document Number | 2019154084 |
| Deed Book / Page | 300 / 271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 317 ROSS RD, LANCASTER, KY 40444-9728 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M267/659 |
|---|---|
| Date | Dec 27, 2006 |
| Book Page | M267/659 |
| Instrument | 78256 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Address | FRANKLIN, MI 48025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2027 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 30, 2019 |
| Property Address | 317 ROSS RD, LANCASTER, KY 40444-9728 |
| Document Number | 00D300/271 |
| Book / Page | D300 / 271 |
| Map Reference | DB 29 PG 449 |
| Instrument Date | Sep 12, 2019 |
| Instrument | 154084 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1300 SPURLOCK DR, RICHMOND, KY 40475-9712 |
| Name | Verified Name |
|---|---|
| Address | 317 ROSS RD, LANCASTER, KY 40444-9728 |
| Investor | Possibly a Property Investor |
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 | $90,000 (+2%) | $360,000 (+38%) Land $355,000 Building $5,000 | |
| 2025 | $771.00 (-0.39%) | $75,000 (-) Land $15,000 Building $60,000 | $75,000 (-) Land $15,000 Building $60,000 |
| 2024 | $774.00 (-2.89%) | $75,000 (-) Land $15,000 Building $60,000 | $75,000 (-) Land $15,000 Building $60,000 |
| 2023 | $797.00 (-0.87%) | $75,000 (-) Land $15,000 Building $60,000 | $75,000 (-) Land $15,000 Building $60,000 |
| 2022 | $804.00 | $75,000 Land $15,000 Building $60,000 | $75,000 Land $15,000 Building $60,000 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 67% 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: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 200 / 20 |
4G LTE (outdoors only), no 5G reported
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