Garrard County property record for 385 Oak Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 1.05 acres (46,039 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Jun 2008) |
| Tax Bill | $1,698 (2025) |
| Deeds & Mortgages | Feb 2006 Mortgage May 2006 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18B-03-005 |
| Primary APN | 18B-03-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Exterior Material | Brick |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 46,039 sqft (1.05 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Radiant |
| Sewer | Connected |
| Account Number | 13122 |
|---|---|
| Street Address | 385 OAK DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 & HOUSE |
| Legal Subdivision | WHISPERING HILLS |
| Legal Lot Number | 17 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 970102 |
385 Oak Dr is owned and occupied by an individual who bought it in June 2008.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 385 OAK DR, LANCASTER, KY 40444-7720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 14, 2006 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MORTGAGE COMPANY LLC |
| May 5, 2006 | Deed of Trust, Mortgage · Conventional Mortgage CITIFINANCIAL SERVICES INC |
| Jun 13, 2008 | Special Warranty Deed, Transfer |
| Jan 18, 2008 | Commissioner's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 13, 2008 · Amount on File |
| Deed Sale | Jun 13, 2008 · Amount on File |
| Deed Book / Page | 249 / 957 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 385 OAK DR, LANCASTER, KY 40444-7720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M254/879 |
|---|---|
| Date | Feb 14, 2006 |
| Book Page | M254/879 |
| Instrument | 69262 |
| Name | FIRST MORTGAGE COMPANY LLC |
|---|---|
| Address | LEXINGTON, KY 40503 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 385 OAK DR, LANCASTER, KY 40444-7720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M258/228 |
|---|---|
| Date | May 5, 2006 |
| Book Page | M258/228 |
| Instrument | 70405 |
| Name | CITIFINANCIAL SERVICES INC |
|---|---|
| Address | DANVILLE, KY 40422 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 13, 2008 |
| Property Address | 385 OAK DR, LANCASTER, KY 40444-7720 |
| Document Number | 000249/957 |
| Book / Page | 249 / 957 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jan 18, 2008 |
| Property Address | 385 OAK DR, LANCASTER, KY 40444-7720 |
| Document Number | 0000248/38 |
| Book / Page | 248 / 38 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 385 Oak Dr was $1,698 with a homeowner's exemption, 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 | $165,000 (-) Land $30,000 Building $135,000 | $165,000 (-) Land $30,000 Building $135,000 | |
| 2025 | $1,698.00 (-0.47%) | $165,000 (+13.79%) Land $30,000 Building $135,000 | $165,000 (+13.79%) Land $30,000 Building $135,000 |
| 2024 | $1,706.00 (+10.56%) | $145,000 (+16%) Land $30,000 Building $115,000 | $145,000 (+16%) Land $30,000 Building $115,000 |
| 2023 | $1,543.00 (-0.9%) | $125,000 (-) Land $25,000 Building $100,000 | $125,000 (-) Land $25,000 Building $100,000 |
| 2022 | $1,557.00 | $125,000 Land $25,000 Building $100,000 | $125,000 Land $25,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 385 Oak Dr 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 risk around 385 Oak Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 60 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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