Garrard County property record for 3528 White Lick Rd, Paint Lick, KY 40461
| Property Type | Rural Home |
|---|---|
| Lot Size | 179 acres (7,823,376 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,630 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 65-051 |
| Primary APN | 65-051 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Vinyl |
|---|---|
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,823,376 sqft (179 acres) |
| Sewer | Connected |
|---|
| Account Number | 17425 |
|---|---|
| Street Address | 3528 WHITE LICK RD |
| City | PAINT LICK |
| State | KY |
| Zip | 40461-8780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PARCEL 1 & 2 |
| Legal Subdivision | SPARKS SUB 7 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | PAINT LICK |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 970400 |
3528 White Lick Rd, a rural home, is owned 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 | 291 W RICE LN, RICHMOND, KY 40475-9605 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 21, 2026 |
| Property Address | 3528 WHITE LICK RD, PAINT LICK, KY 40461-8780 |
| Document Number | 0000221966 |
| Book / Page | 477 / 399 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 2026221966 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 291 W RICE LN, RICHMOND, KY 40475-9605 |
| Document Number | 0000221966, |
|---|---|
| Date | Sep 21, 2026 |
| Book Page | 477/399 |
| Instrument | 2026221966 |
| Name | WHITAKER BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 31, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 3528 White Lick Rd was $1,630, 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 | $170,000 (+6.25%) | $425,000 (+165.63%) Land $415,000 Building $10,000 | |
| 2025 | $1,630.00 (-0.49%) | $160,000 (-) Land $80,000 Building $80,000 | $160,000 (-) Land $80,000 Building $80,000 |
| 2024 | $1,638.00 (-2.85%) | $160,000 (-) Land $80,000 Building $80,000 | $160,000 (-) Land $80,000 Building $80,000 |
| 2023 | $1,686.00 (-0.94%) | $160,000 (-) Land $80,000 Building $80,000 | $160,000 (-) Land $80,000 Building $80,000 |
| 2022 | $1,702.00 | $160,000 Land $80,000 Building $80,000 | $160,000 Land $80,000 Building $80,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3528 White Lick Rd 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 | 1 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 risk around 3528 White Lick Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% 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, as of December 31, 2025
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