441 Colts Run, Lancaster, KY 40444 Property Records

Garrard County property record for 441 Colts Run, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 2005
Lot Size	1.47 acres (64,207 sqft)
Owner	2 Individual Names on File
Last Sale	$395,500 (Feb 2025)
Tax Bill	$2,058 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-33.64`

Property Details

APN / Parcel Number

Primary APN	`05-33.64`
Alternative APN	`11441`

Interior

Stories	1 Story

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	64,207 sqft (1.47 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	11441
Street Address	441 COLTS RUN
City	LANCASTER
State	KY
Zip	40444-7077
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOT 26 PC 4-051 1.474 AC
Legal Subdivision	COLTS RUN
Legal Lot Number	26
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3016
Census Tract	970102

Owner

441 Colts Run is owned and occupied by two individuals who bought it in February 2025.

Source: Garrard County records, as of September 22, 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	2 Individual Names on File
Mailing Address	441 COLTS RUN, LANCASTER, KY 40444-7077
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE CREDIT UNION
Jan 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS HERITAGE FCU
Dec 17, 2012	Deed of Trust, Mortgage CHURCHILL MORTGAGE CORPORATION
Mar 28, 2009	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Feb 6, 2025	Deed, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO
May 5, 2006	Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2025 · Amount on File
Deed Sale	Feb 6, 2025 · Amount on File
Prior Sale	May 5, 2006 · Amount on File
Deed Document Number	2025191410
Deed Book / Page	330 / 387
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Sep 10, 2026
Property Address	441 COLTS RUN, LANCASTER, KY 40444-7077
Document Number	0000221581
Book / Page	477 / 64
Instrument Date	Jul 30, 2026
Instrument	2026221581
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 COLTS RUN, LANCASTER, KY 40444-7077

Mortgage

Document Number	0000221581,
Date	Sep 10, 2026
Book Page	477/64
Instrument	2026221581

Lender

Name	MEMBERS HERITAGE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	441 COLTS RUN, LANCASTER, KY 40444-7077
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	KHT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 COLTS RUN, LANCASTER, KY 40444-7077

Mortgage

Document Number	00M467/454
Date	Jan 27, 2026
Book Page	M467/454
Instrument	203466

Lender

Name	MEMBERS HERITAGE FCU
Type	Credit Union
Address	LEXINGTON, KY 40511

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	441 COLTS RUN, LANCASTER, KY 40444-7077
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000320/343
Date	Dec 17, 2012
Book Page	320/343
Instrument	114657

Lender

Name	CHURCHILL MORTGAGE CORPORATION

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2027

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	441 COLTS RUN, LANCASTER, KY 40444-7077
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M290/672
Date	Mar 28, 2009
Book Page	M290/672
Instrument	98857

Lender

Name	FLAGSTAR BANK FSB
Address	TROY, MI 48098

Agreement

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

February 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Feb 6, 2025
Property Address	441 COLTS RUN, LANCASTER, KY 40444-7077
Document Number	00D330/387
Book / Page	D330 / 387
Map Reference	CAB 4 SL 51
Instrument Date	Jan 31, 2025
Instrument	191410
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3509 HARPER WOODS LN, LEXINGTON, KY 40515-8312

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	441 COLTS RUN, LANCASTER, KY 40444-7077

Mortgage

Document Number	0000191411
Date	Feb 6, 2025
Instrument	191411

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2055

May 2006: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	May 5, 2006
Property Address	441 COLTS RUN, LANCASTER, KY 40444-7077
Document Number	0000238/96
Book / Page	238 / 96
Transaction Type	Subdivision Related Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount on Record
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
Address	441 COLTS RUN, LANCASTER, KY 40444-7077

Tax Assessment & Valuation

The 2025 property tax bill for 441 Colts Run was $2,058, up 29.5% 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		$365,500 (+82.75%) Land $35,000 Building $330,500	$365,500 (+82.75%) Land $35,000 Building $330,500
2025	$2,058.00 (+29.52%) Homeowner's exemption	$200,000 (-) Land $25,000 Building $175,000	$200,000 (-) Land $25,000 Building $175,000
2024	$1,589.00 (-2.81%) Homeowner's exemption	$200,000 (-) Land $25,000 Building $175,000	$200,000 (-) Land $25,000 Building $175,000
2023	$1,635.00 (+2.06%) Homeowner's exemption	$200,000 (+5.43%) Land $25,000 Building $175,000	$200,000 (+5.43%) Land $25,000 Building $175,000
2022	$1,602.00 Homeowner's exemption	$189,700 Land $22,000 Building $167,700	$189,700 Land $22,000 Building $167,700

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 441 Colts Run 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

Wildfire risk around 441 Colts Run 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.

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
kywimax Fixed Wireless · not low latency	25 / 5
Windstream DSL	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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