Garrard County property record for 3794 Fall Lick Rd, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · built 1994 |
| Lot Size | 16.3 acres (712,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $382 (Jan 2022) |
| Tax Bill | $1,186 (2025) |
| Deeds & Mortgages | Dec 2005 Line of Credit Mar 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-37 |
| Primary APN | 44-37 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 712,075 sqft (16.3 acres) |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 23740 |
|---|---|
| Street Address | 3794 FALL LICK RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | TRACT 9 |
| Legal Tract | 9 |
| Legal Lot Number | 8 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | PAINT LICK |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 970400 |
Source: Garrard County assessment roll, as of May 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3794 FALL LICK RD, LANCASTER, KY 40444-8467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2005 | Deed of Trust, Mortgage · Line of Credit CENTRAL KENTUCKY FEDERAL SAVINGS BANK |
| Mar 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| Jan 14, 2022 | Deed, Transfer |
| Jan 17, 2009 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 14, 2022 · Amount on Record |
| Deed Sale | Jan 14, 2022 · Amount on Record |
| Deed Document Number | 2022167043 |
| Deed Book / Page | 313 / 822 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 3794 FALL LICK RD, LANCASTER, KY 40444-8467 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1802 RICHMOND RD, LANCASTER, KY 40444-7496 |
| Document Number | 00M252/769 |
|---|---|
| Date | Dec 9, 2005 |
| Book Page | M252/769 |
| Instrument | 68473 |
| Name | CENTRAL KENTUCKY FEDERAL SAVINGS BANK |
|---|---|
| Address | LANCASTER, KY 40444 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Dec 2, 2007 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 3794 FALL LICK RD, LANCASTER, KY 40444-8467 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3794 FALL LICK RD, LANCASTER, KY 40444-8467 |
| Document Number | 00M455/465 |
|---|---|
| Date | Mar 24, 2025 |
| Book Page | M455/465 |
| Instrument | 192702 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.75% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 8.75% |
| Max Rate At Change | 10.7% |
| Max Rate | 14.7% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jan 14, 2022 |
| Property Address | 3794 FALL LICK RD, LANCASTER, KY 40444-8467 |
| Document Number | 00D313/822 |
| Book / Page | D313 / 822 |
| Map Reference | PB 3 PG 77 |
| Instrument Date | Dec 27, 2021 |
| Instrument | 167043 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $180.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 16, RICHMOND, KY 40476-0016 |
| Name | Verified Name |
|---|---|
| Address | 3794 FALL LICK RD, LANCASTER, KY 40444-8467 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jan 17, 2009 |
| Property Address | 3794 FALL LICK RD, LANCASTER, KY 40444-8467 |
| Document Number | 000252/769 |
| Book / Page | 252 / 769 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 |
|---|---|---|---|
| 2025 | $1,186.00 (+1.37%) | $112,000 (+24.44%) Land $22,000 Building $90,000 | $112,000 (+24.44%) Land $22,000 Building $90,000 |
| 2024 | $1,170.00 (-2.74%) | $90,000 (-) Land $20,000 Building $70,000 | $90,000 (-) Land $20,000 Building $70,000 |
| 2023 | $1,203.00 (-0.91%) | $90,000 (-) Land $20,000 Building $70,000 | $90,000 (-) Land $20,000 Building $70,000 |
| 2022 | $1,214.00 | $90,000 Land $20,000 Building $70,000 | $90,000 Land $20,000 Building $70,000 |
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 at the parcel |
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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Uniti Group DSL | 200 / 20 |
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