3954 Mount Hebron Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 3954 Mount Hebron Rd, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · built 1998
Lot Size	5.41 acres (235,965 sqft)
Owner	Individual Name on Record
Tax Bill	$1,785 (2025)
Deeds & Mortgages	Dec 2007 Mortgage Feb 2013 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-68.07`

Property Details

APN / Parcel Number

Primary APN	`24-68.07`
Alternative APN	`20444`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Other
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	235,965 sqft (5.41 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	20444
Street Address	3954 MOUNT HEBRON RD
City	LANCASTER
State	KY
Zip	40444-8209
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR I 5.417 AC
Legal Subdivision	JOE & FELDA BROADDUS
Legal Tract	1
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2012
Census Tract	970102

Owner

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 Record
Mailing Address	3954 MOUNT HEBRON RD, LANCASTER, KY 40444-8209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2007	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE NETWORK INC
Feb 25, 2013	Deed of Trust, Mortgage QUICKEN LOANS INC
Sep 25, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	3954 MOUNT HEBRON RD, LANCASTER, KY 40444-8209
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M279/706
Date	Dec 15, 2007
Book Page	M279/706
Instrument	92845

Lender

Name	AMERICAN MORTGAGE NETWORK INC
Address	SAN DIEGO, CA 92186

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2038

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	3954 MOUNT HEBRON RD, LANCASTER, KY 40444-8209
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000321/817
Date	Feb 25, 2013
Book Page	321/817
Instrument	115541

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2043

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 25, 2018
Property Address	3954 MOUNT HEBRON RD, LANCASTER, KY 40444-8209
Document Number	00D295/529
Book / Page	D295 / 529
Map Reference	DB 179 PG 574
Instrument Date	Sep 21, 2018
Instrument	140128
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$226.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	754 N RIDGE RD, RICHMOND, KY 40475-8422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3911 ASTROC IR, ANCHORAGE, AK 99517

Tax Assessment & Valuation

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		$173,500 (-)	$226,000 (+30.26%) Land $226,000
2025	$1,785.00 (-0.5%)	$173,500 (-) Land $8,500 Building $165,000	$173,500 (-) Land $8,500 Building $165,000
2024	$1,794.00 (-2.82%)	$173,500 (-) Land $8,500 Building $165,000	$173,500 (-) Land $8,500 Building $165,000
2023	$1,846.00 (-0.91%)	$173,500 (-) Land $8,500 Building $165,000	$173,500 (-) Land $8,500 Building $165,000
2022	$1,863.00	$173,500 Land $8,500 Building $165,000	$173,500 Land $8,500 Building $165,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	0.03% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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