Garrard County property record for 3680 Fall Lick Rd, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | built 1998 |
| Lot Size | 19.7 acres (860,310 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,000 (May 2021) |
| Tax Bill | $1,377 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage May 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-36 |
| Primary APN | 44-36 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 860,310 sqft (19.7 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 22095 |
|---|---|
| Street Address | 3680 FALL LICK RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8466 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 19.342 ACRES |
| Legal Subdivision | GAFFNEY ESTATE PROPERTY DIVISION |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | PAINT LICK |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 970400 |
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 | 3680 FALL LICK RD, LANCASTER, KY 40444-8466 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| May 18, 2021 | Intrafamily Transfer, Transfer |
| Feb 5, 2007 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on Record |
| Deed Sale | May 18, 2021 · Amount on Record |
| Deed Document Number | 2021161955 |
| Deed Book / Page | 309 / 691 |
| Prior Transfer Date | May 3, 2021 |
| Prior Transfer Doc | 00D309/691 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 3680 FALL LICK RD, LANCASTER, KY 40444-8466 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3680 FALL LICK RD, LANCASTER, KY 40444-8466 |
| Document Number | 00M462/395 |
|---|---|
| Date | Sep 22, 2025 |
| Book Page | M462/395 |
| Instrument | 199084 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.25% |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 6.25% |
| Max Rate At Change | 10.2% |
| Max Rate | 14.2% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 18, 2021 |
| Property Address | 3680 FALL LICK RD, LANCASTER, KY 40444-8466 |
| Document Number | 00D309/691 |
| Book / Page | D309 / 691 |
| Instrument Date | May 3, 2021 |
| Instrument | 161955 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3680 FALL LICK RD, LANCASTER, KY 40444-8466 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Feb 5, 2007 |
| Property Address | 3680 FALL LICK RD, LANCASTER, KY 40444-8466 |
| Document Number | 00D242/964 |
| Book / Page | D242 / 964 |
| Instrument Date | Jan 23, 2007 |
| Instrument | 80325 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 N PAULDING ST, LANCASTER, KY 40444-1006 |
| Name | Verified Name |
|---|---|
| Address | 3680 FALL LICK RD, LANCASTER, KY 40444-8466 |
| 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 | $130,000 (-) | $250,000 (+92.31%) Land $245,000 Building $5,000 | |
| 2025 | $1,377.00 (+3.53%) | $130,000 (+4%) Land $20,000 Building $110,000 | $130,000 (+4%) Land $20,000 Building $110,000 |
| 2024 | $1,330.00 (-2.71%) | $125,000 (-) Land $20,000 Building $105,000 | $125,000 (-) Land $20,000 Building $105,000 |
| 2023 | $1,367.00 (-0.94%) | $125,000 (-) Land $20,000 Building $105,000 | $125,000 (-) Land $20,000 Building $105,000 |
| 2022 | $1,380.00 | $125,000 Land $20,000 Building $105,000 | $125,000 Land $20,000 Building $105,000 |
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 | 5 in force |
| Nearby Flood Claims | 2 (1996) |
| Most Recent Claim | Jul 1996 · other causes |
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 80% of the US · lower than 63% 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: 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Windstream DSL | 100 / 20 |
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