Garrard County property record for 3181 High Bridge Rd, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · built 1968 |
| Lot Size | 119 acres (5,183,640 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,090 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Apr 2014 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-03 |
| Primary APN | 03-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 5,183,640 sqft (119 acres) |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 4954 |
|---|---|
| Street Address | 3181 HIGH BRIDGE RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 970101 |
3181 High Bridge Rd, a rural home, is owned and occupied by an individual.
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 File |
|---|---|
| Mailing Address | 3181 HIGH BRIDGE RD, LANCASTER, KY 40444-9628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| Apr 22, 2014 | Deed of Trust, Mortgage FIRST SOUTHERN NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 23, 2026 |
| Property Address | 3181 HIGH BRIDGE RD, LANCASTER, KY 40444-9628 |
| Document Number | 0000216761 |
| Book / Page | 473 / 685 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 2026216761 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000216761, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 473/685 |
| Instrument | 2026216761 |
| Name | WHITAKER BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 3181 HIGH BRIDGE RD, LANCASTER, KY 40444-9628 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3181 HIGH BRIDGE RD, LANCASTER, KY 40444-9628 |
| Investor | Possibly a Property Investor |
| Document Number | 000331/467 |
|---|---|
| Date | Apr 22, 2014 |
| Book Page | 331/467 |
| Instrument | 120376 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Address | LANCASTER, KY 40444 |
| Amount | Amount on Record |
|---|---|
| Term | 11 Months |
| Due | Mar 21, 2015 |
The 2025 property tax bill for 3181 High Bridge Rd was $1,090 with a homeowner's exemption, down 2.9% from the year before.
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 | $155,000 (-) | $515,000 (+232.26%) Land $515,000 | |
| 2025 | $1,090.00 (-2.94%) Homeowner's exemption | $155,000 (-) Land $35,000 Building $120,000 | $155,000 (-) Land $35,000 Building $120,000 |
| 2024 | $1,123.00 (-2.85%) Homeowner's exemption | $155,000 (-) Land $35,000 Building $120,000 | $155,000 (-) Land $35,000 Building $120,000 |
| 2023 | $1,156.00 (+13.89%) Homeowner's exemption | $155,000 (+14.81%) Land $35,000 Building $120,000 | $155,000 (+14.81%) Land $35,000 Building $120,000 |
| 2022 | $1,015.00 Homeowner's exemption | $135,000 Land $35,000 Building $100,000 | $135,000 Land $35,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3181 High Bridge Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2021.
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 |
| Nearby Flood Claims | 11 (2021–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 3181 High Bridge Rd 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 100 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
May also be available: All Points Broadband, kywimax.
5G (outdoors only) and 4G LTE
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