398 Sutton Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 398 Sutton Ln, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · built 1992
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Tax Bill	$1,192 (2025)
Deeds & Mortgages	Nov 2012 Mortgage Oct 2007 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11A-01-073`

Property Details

APN / Parcel Number

Primary APN	`11A-01-073`
Alternative APN	`2418`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	2418
Street Address	398 SUTTON LN
City	LANCASTER
State	KY
Zip	40444-7325
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TRACT 11 1.030 AC TRADEWAY FARMS
Legal Subdivision	TRADEWAY FARMS
Legal Tract	11
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3015
Census Tract	970102

Owner

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	Individual Name on Record
Mailing Address	398 SUTTON LN, LANCASTER, KY 40444-7325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2012	Deed of Trust, Mortgage · Negative Amortization JPMORGAN CHASE BANK, N.A.
Oct 29, 2007	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	398 SUTTON LN, LANCASTER, KY 40444-7325
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000319/571
Date	Nov 16, 2012
Book Page	319/571
Instrument	114316

Lender

Name	JPMORGAN CHASE BANK, N.A.

Agreement

Type	Negative Amortization
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2042

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	398 SUTTON LN, LANCASTER, KY 40444-7325
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 SUTTON LN, LANCASTER, KY 40444-7325

Mortgage

Document Number	00M278/692
Date	Oct 29, 2007
Book Page	M278/692
Instrument	92131

Lender

Name	NATIONAL CITY BANK
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$165,000 (-) Land $25,000 Building $140,000	$165,000 (-) Land $25,000 Building $140,000
2025	$1,192.00 (-2.85%) Homeowner's exemption	$165,000 (+3.13%) Land $25,000 Building $140,000	$165,000 (+3.13%) Land $25,000 Building $140,000
2024	$1,227.00 (-2.77%) Homeowner's exemption	$160,000 (-) Land $25,000 Building $135,000	$160,000 (-) Land $25,000 Building $135,000
2023	$1,262.00 (+1.77%) Homeowner's exemption	$160,000 (+2.56%) Land $25,000 Building $135,000	$160,000 (+2.56%) Land $25,000 Building $135,000
2022	$1,240.00 Homeowner's exemption	$156,000 Land $26,000 Building $130,000	$156,000 Land $26,000 Building $130,000

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	0.02% 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.

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 60 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	100 / 20
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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