355 Cleo Ave, Lancaster, KY 40444 Property Records

Garrard County property record for 355 Cleo Ave, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 2022
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Company Names on File
Last Sale	$340,000 (May 2025)
Tax Bill	$2,264 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-25.021`

Property Details

APN / Parcel Number

Primary APN	`12-25.021`
Alternative APNs	`24599` `408`

Interior

Stories	1 Story

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Lot Area	74,923 sqft (1.72 acres)
Garage Type	Attached

Location & Zoning

Account Number	24599
Street Address	355 CLEO AVE
City	LANCASTER
State	KY
Zip	40444-7203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 CAMP DICK ACRES
Legal Subdivision	CAMP DICK ACRES
Legal Lot Number	21
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2025
Census Tract	970102

Owner

355 Cleo Ave is owned by a company that bought it in May 2025.

Source: Garrard County records, as of September 23, 2026

Owner of Record	2 Company Names on File
Mailing Address	355 CLEO AVE, LANCASTER, KY 40444-7203
Owner Type	Company
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 9, 2022	Deed, Transfer
Jul 26, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025 · Amount on File
Deed Sale	May 9, 2025 · Amount on File
Prior Sale	Nov 9, 2022 · Amount on File
Deed Document Number	2025194635
Deed Book / Page	331 / 840
Prior Transfer Date	Oct 31, 2022
Prior Transfer Doc	00D318/752
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	355 CLEO AVE, LANCASTER, KY 40444-7203
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 CLEO AVE, LANCASTER, KY 40444-7203

Mortgage

Document Number	0000M468/1
Date	Feb 6, 2026
Book Page	M468/1
Instrument	203878

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Nov 9, 2022
Property Address	355 CLEO AVE, LANCASTER, KY 40444-7203
Document Number	00D318/752
Book / Page	D318 / 752
Map Reference	DB 311 PG 4
Instrument Date	Oct 31, 2022
Instrument	172983
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Amount	Amount on Record
Tax	$220.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 SUTTON LN, LANCASTER, KY 40444-7323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	335 CLEO AVE, LANCASTER, KY 40444-7203

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 26, 2021
Property Address	355 CLEO AVE, LANCASTER, KY 40444-7203
Document Number	0000D311/4
Book / Page	D311 / 4
Map Reference	DB 209 PH 131
Instrument Date	Jul 14, 2021
Instrument	163060
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Amount	Amount on Record
Tax	$3.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8688 LEXINGTON RD, LANCASTER, KY 40444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 PINE CREST RD, LANCASTER, KY 40444-6704

Tax Assessment & Valuation

The 2025 property tax bill for 355 Cleo Ave was $2,264, down 0.5% from the year before.

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$340,000 (+54.55%) Land $30,000 Building $310,000	$340,000 (+54.55%) Land $30,000 Building $310,000
2025	$2,264.00 (-0.48%)	$220,000 (-) Land $20,000 Building $200,000	$220,000 (-) Land $20,000 Building $200,000
2024	$2,275.00 (-2.82%)	$220,000 (-) Land $20,000 Building $200,000	$220,000 (-) Land $20,000 Building $200,000
2023	$2,341.00 (+7,215.63%)	$220,000 (+7,233.33%) Land $20,000 Building $200,000	$220,000 (+7,233.33%) Land $20,000 Building $200,000
2022	$32.00	$3,000 Land $3,000	$3,000 Land $3,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 355 Cleo Ave 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	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.

Wildfire

Wildfire risk around 355 Cleo Ave 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	200 / 20
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cleo Ave

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