Garrard County property record for 3318 Rogers Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · built 2000 |
| Lot Size | 1.06 acres (46,188 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Aug 2026) |
| Tax Bill | $771 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Apr 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-12.06 |
| Primary APN | 09-12.06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 46,188 sqft (1.06 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 19075 |
|---|---|
| Street Address | 3318 ROGERS RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BO-LANE SUB |
| Legal Subdivision | BO-LANE SUB |
| Legal Lot Number | 5 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 970101 |
3318 Rogers Rd is owned by an individual who bought it in August 2026.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 100 KEMPER LN, LANCASTER, KY 40444-9538 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2026 | Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC |
| Apr 4, 2017 | Special Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2026 · Amount on File |
| Deed Sale | Aug 14, 2026 · Amount on File |
| Prior Sale | Apr 4, 2017 · Amount on File |
| Deed Document Number | 2026220693 |
| Deed Book / Page | 338 / 564 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Aug 14, 2026 |
| Property Address | 3318 ROGERS RD, LANCASTER, KY 40444-7811 |
| Document Number | 0000220693 |
| Book / Page | 338 / 564 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 2026220693 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,695.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 KEMPER LN, LANCASTER, KY 40444-9538 |
| Investor | Possibly a Property Investor |
| Document Number | 0000220696, |
|---|---|
| Date | Aug 14, 2026 |
| Instrument | 2026220696 |
| Name | LUMINATE HOME LOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000220719, |
|---|---|
| Date | Aug 14, 2026 |
| Book Page | 476/132 |
| Instrument | 2026220719 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 4, 2017 |
| Property Address | 3318 ROGERS RD, LANCASTER, KY 40444-7811 |
| Document Number | 000288/183 |
| Book / Page | 288 / 183 |
| Instrument Date | Mar 28, 2017 |
| Instrument | 134076 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $68.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 500 ALCOA TRL, 500, MARYVILLE, TN 37804-5516 |
| Name | Verified Name |
|---|---|
| Address | 3318 ROGERS RD, LANCASTER, KY 40444-7811 |
The 2025 property tax bill for 3318 Rogers Rd was $771, down 0.5% 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 | $75,000 (-) Land $15,000 Building $60,000 | $75,000 (-) Land $15,000 Building $60,000 | |
| 2025 | $771.00 (-0.52%) | $75,000 (-) Land $15,000 Building $60,000 | $75,000 (-) Land $15,000 Building $60,000 |
| 2024 | $775.00 (-2.88%) | $75,000 (-) Land $15,000 Building $60,000 | $75,000 (-) Land $15,000 Building $60,000 |
| 2023 | $798.00 (+9.47%) | $75,000 (+10.46%) Land $15,000 Building $60,000 | $75,000 (+10.46%) Land $15,000 Building $60,000 |
| 2022 | $729.00 | $67,900 Land $10,000 Building $57,900 | $67,900 Land $10,000 Building $57,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3318 Rogers 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 3318 Rogers 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: 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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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