421 Trails End Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 421 Trails End Rd, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Tax Bill	$1,969 (2025)
Deeds & Mortgages	Apr 2007 Line of Credit Feb 2009 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-30.03`

Property Details

APN / Parcel Number

Primary APN	`25-30.03`
Alternative APN	`1774`

Interior

Stories	2 Stories

Exterior

Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1774
Street Address	421 TRAILS END RD
City	LANCASTER
State	KY
Zip	40444-7257
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 3 TRAILS END SUB & TR 2B .190 AC
Legal Subdivision	TRAILS END
Legal Tract	3
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1003
Census Tract	970201

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	421 TRAILS END RD, LANCASTER, KY 40444-7257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2007	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONA BANK
Feb 19, 2009	Deed of Trust, Mortgage · Line of Credit KENTUCKY EMPLOYEES CREDIT UNION
Aug 30, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	421 TRAILS END RD, LANCASTER, KY 40444-7257
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 TRAILS END RD, LANCASTER, KY 40444-7257

Mortgage

Document Number	00M271/522
Date	Apr 3, 2007
Book Page	M271/522
Instrument	85368

Lender

Name	FIRST SOUTHERN NATIONA BANK
Address	LANCASTER, KY 40444

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 12, 2017

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	421 TRAILS END RD, LANCASTER, KY 40444-7257
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M289/794
Date	Feb 19, 2009
Book Page	M289/794
Instrument	98416

Lender

Name	KENTUCKY EMPLOYEES CREDIT UNION
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRARD KY
Recording Date	Aug 30, 2023
Property Address	421 TRAILS END RD, LANCASTER, KY 40444-7257
Document Number	00D322/750
Book / Page	D322 / 750
Map Reference	CAB 6 SL 396
Instrument Date	Aug 30, 2023
Instrument	177749
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 TRAILS END RD, LANCASTER, KY 40444-7255

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	421 TRAILS END RD, LANCASTER, KY 40444-7257

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		$235,000 (-)	$400,000 (+70.21%) Land $400,000
2025	$1,969.00 (-1.89%) Homeowner's exemption	$235,000 (-) Land $35,000 Building $200,000	$235,000 (-) Land $35,000 Building $200,000
2024	$2,007.00 (+2.71%) Homeowner's exemption	$235,000 (+4.44%) Land $35,000 Building $200,000	$235,000 (+4.44%) Land $35,000 Building $200,000
2023	$1,954.00 (-4.07%) Homeowner's exemption	$225,000 (-) Land $25,000 Building $200,000	$225,000 (-) Land $25,000 Building $200,000
2022	$2,037.00 Homeowner's exemption	$225,000 Land $25,000 Building $200,000	$225,000 Land $25,000 Building $200,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.04% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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