442 Emma Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 442 Emma Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · built 2003
Lot Size	1.05 acres (45,782 sqft)
Owner	Individual Name on Record
Last Sale	$223,000 (Jan 2021)
Tax Bill	$2,295 (2025)
Deeds & Mortgages	Jan 2021 Sale Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`11-099.61`

Property Details

APN / Parcel Number

Primary APN	`11-099.61`
Alternative APNs	`19391` `24491`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,782 sqft (1.05 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	24491
Street Address	442 EMMA DR
City	LANCASTER
State	KY
Zip	40444-7243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 61 CADE'S COVE
Legal Subdivision	CADE'S COVE
Legal Lot Number	61
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3005
Census Tract	970102

Owner

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 Record
Mailing Address	442 EMMA DR, LANCASTER, KY 40444-7243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed, Transfer FOUNDATION TITLE AND ESCROW LLC, FOUNDATION TITLE & ESCROW LE
Jul 27, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2021 · Amount on Record
Deed Sale	Jan 22, 2021 · Amount on Record
Prior Sale	Jul 27, 2017 · Amount on Record
Deed Document Number	2021160335
Deed Book / Page	307 / 542
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jan 22, 2021
Property Address	442 EMMA DR, LANCASTER, KY 40444-7243
Document Number	D307/542
Book / Page	D307 / 542
Map Reference	CAB 3 SL 170
Instrument Date	Jan 15, 2021
Instrument	160335
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	FOUNDATION TITLE AND ESCROW LLC, FOUNDATION TITLE & ESCROW LE

Transaction

Amount	Amount Recorded
Tax	$223.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 PAM DR, 137, LANCASTER, KY 40444-8919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 EMMA DR, LANCASTER, KY 40444-7243

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 27, 2017
Property Address	442 EMMA DR, LANCASTER, KY 40444-7243
Document Number	289/648
Book / Page	289 / 648
Instrument Date	Jul 21, 2017
Instrument	135390
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$165.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 EMMA DR, LANCASTER, KY 40444-7243

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		$223,000 (-) Land $25,000 Building $198,000	$223,000 (-) Land $25,000 Building $198,000
2025	$2,295.00 (-0.48%)	$223,000 (-) Land $25,000 Building $198,000	$223,000 (-) Land $25,000 Building $198,000
2024	$2,306.00 (-2.82%)	$223,000 (-) Land $25,000 Building $198,000	$223,000 (-) Land $25,000 Building $198,000
2023	$2,373.00 (+33.92%)	$223,000 (+35.15%) Land $25,000 Building $198,000	$223,000 (+35.15%) Land $25,000 Building $198,000
2022	$1,772.00	$165,000 Land $25,000 Building $140,000	$165,000 Land $25,000 Building $140,000

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	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 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.

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