Garrard County property record for 407 Emma Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2012 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | Individual Name on File |
| Last Sale | $619,000 (May 2022) |
| Tax Bill | $1,595 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-099.23 |
| Primary APN | 11-099.23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 69,696 sqft (1.6 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 17986 |
|---|---|
| Street Address | 407 EMMA DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 23 CADES COVE |
| Legal Subdivision | CADES COVE |
| Legal Lot Number | 23 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 970102 |
407 Emma Dr is owned by an individual who bought it in May 2022.
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 File |
|---|---|
| Mailing Address | 115 PADDOCK DR, NICHOLASVILLE, KY 40356-9463 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2022 · Amount on File |
| Deed Sale | May 12, 2022 · Amount on File |
| Prior Sale | Jan 12, 2016 · Amount on File |
| Deed Document Number | 2022169323 |
| Deed Book / Page | 315 / 739 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 407 Emma Dr was $1,595, 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 | $155,000 (-) Land $25,000 Building $130,000 | $155,000 (-) Land $25,000 Building $130,000 | |
| 2025 | $1,595.00 (-0.5%) | $155,000 (-) Land $25,000 Building $130,000 | $155,000 (-) Land $25,000 Building $130,000 |
| 2024 | $1,603.00 (-2.79%) | $155,000 (-) Land $25,000 Building $130,000 | $155,000 (-) Land $25,000 Building $130,000 |
| 2023 | $1,649.00 (+2.68%) | $155,000 (+3.68%) Land $25,000 Building $130,000 | $155,000 (+3.68%) Land $25,000 Building $130,000 |
| 2022 | $1,606.00 | $149,500 Land $24,000 Building $125,500 | $149,500 Land $24,000 Building $125,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 407 Emma 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 407 Emma Dr is low, with a 0.02% 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 | 0.02% 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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
| kywimax Fixed Wireless · not low latency | 25 / 5 |
May also be available: T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures