430 Gillespie Pike, Lancaster, KY 40444 Property Records

Garrard County property record for 430 Gillespie Pike, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · built 1998
Lot Size	16.4 acres (716,301 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (May 2021)
Tax Bill	$1,398 (2025)
Deeds & Mortgages	Jun 2009 Mortgage Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`50-075.01`

Property Details

APN / Parcel Number

Primary APN	`50-075.01`
Alternative APN	`23612`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	716,301 sqft (16.4 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	23612
Street Address	430 GILLESPIE PIKE
City	LANCASTER
State	KY
Zip	40444-9741
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 1 16.444 AC PB 4-113
Legal Subdivision	ELIZABETH B. STARNES FARM
Legal Tract	1
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	1
Census Block	1017
Census Tract	970400

Owner

430 Gillespie Pike, a rural home, is owned and occupied by an individual who bought it in May 2021.

Source: Garrard County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	430 GILLESPIE PIKE, LANCASTER, KY 40444-9741
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2009	Deed of Trust, Mortgage · Conventional Mortgage HOMESERVICES LENDING LLC
Nov 22, 2021	Deed, Transfer
Jun 19, 2009	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2021 · Amount on File
Deed Sale	May 7, 2021 · Amount on File
Prior Sale	Jun 19, 2009
Deed Document Number	2021161799
Deed Book / Page	309 / 501
Record Updated	Oct 29, 2026

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	430 GILLESPIE PIKE, LANCASTER, KY 40444-9741
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M292/912
Date	Jun 19, 2009
Book Page	M292/912
Instrument	99894

Lender

Name	HOMESERVICES LENDING LLC
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2039

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Nov 22, 2021
Property Address	430 GILLESPIE PIKE, LANCASTER, KY 40444-9741
Document Number	000D313/26
Book / Page	D313 / 26
Map Reference	DB 309 PG 501
Instrument Date	Nov 19, 2021
Instrument	165971
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2733, PAINT LICK, KY 40461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 GILLESPIE PIKE, LANCASTER, KY 40444-9741

June 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jun 19, 2009
Property Address	430 GILLESPIE PIKE, LANCASTER, KY 40444-9741
Document Number	000254/520
Book / Page	254 / 520
Instrument	00099893
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 430 Gillespie Pike was $1,398, up 1.1% from the year before.

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		$132,000 (-)	$240,000 (+81.82%) Land $215,000 Building $25,000
2025	$1,398.00 (+1.08%)	$132,000 (+25.71%) Land $17,000 Building $115,000	$132,000 (+25.71%) Land $17,000 Building $115,000
2024	$1,383.00 (-2.74%)	$105,000 (-) Land $15,000 Building $90,000	$105,000 (-) Land $15,000 Building $90,000
2023	$1,422.00 (-0.91%)	$105,000 (-) Land $15,000 Building $90,000	$105,000 (-) Land $15,000 Building $90,000
2022	$1,435.00	$105,000 Land $15,000 Building $90,000	$105,000 Land $15,000 Building $90,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 430 Gillespie Pike in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	5 in force
Nearby Flood Claims	2 (1996)
Most Recent Claim	Jul 1996 · other causes

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

Wildfire risk around 430 Gillespie Pike is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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