445 Windswept Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 445 Windswept Dr, Lancaster, KY 40444 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba
Lot Size	5.2 acres (226,512 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Oct 2018)
Tax Bill	$1,598 (2025)
Deeds & Mortgages	Sep 2007 Mortgage Aug 2010 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`35-54`

Property Details

APN / Parcel Number

Primary APN	`35-54`
Alternative APN	`20451`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	226,512 sqft (5.2 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20451
Street Address	445 WINDSWEPT DR
City	LANCASTER
State	KY
Zip	40444-8473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 WINDSWEPT EST
Legal Subdivision	WINDSWEPT
Legal Lot Number	9
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2023
Census Tract	970300

Owner

Source: Garrard County records · APN 35-54

Assessment roll updated May 5, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 06, 2007	Deed of Trust, Mortgage · Conventional Mortgage CITIMORTGAGE INC
Aug 18, 2010	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC DBA FIRST PREFERRED
Jan 31, 2013	Deed of Trust, Mortgage PLATINUM MORTGAGE, INC.
Jun 20, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 06, 2018	Special Warranty Deed, Transfer
Sep 06, 2007	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 11, 2006	Deed, Transfer · Conventional Mortgage AMERICAN HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 06, 2018 · Amount on Record
Deed Sale	Oct 06, 2018 · Amount on Record
Deed Document Number	2018140794
Deed Book / Page	295 / 657
Prior Transfer Date	Aug 23, 2007
Prior Transfer Doc	00D246/216
Record Updated	Sep 20, 2026

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M277/177
Date	Sep 06, 2007
Book Page	M277/177
Instrument	91403

Lender

Name	CITIMORTGAGE INC
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2037

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 01, 2012
Change Frequency	Annually

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M300/924
Date	Aug 18, 2010
Book Page	M300/924
Instrument	105312

Lender

Name	MICHIGAN MUTUAL INC DBA FIRST PREFERRED
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2040

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	TRADITION TITLE AGENCY LLC, TRADITIONAL TITLE AGENCY, LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000321/334
Date	Jan 31, 2013
Book Page	321/334
Instrument	115165

Lender

Name	PLATINUM MORTGAGE, INC.

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2043

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473

Mortgage

Document Number	00M446/949
Date	Jun 20, 2024
Book Page	M446/949
Instrument	185598

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jun 01, 2064

October 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 06, 2018
Property Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473
Document Number	00D295/657
Book / Page	D295 / 657
Map Reference	DB 246 PG 216
Instrument Date	Oct 05, 2018
Instrument	140794
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	519 CA GEST, SHOREWOOD, IL 60404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473

September 2007: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 06, 2007
Property Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473
Document Number	00D246/216
Book / Page	D246 / 216
Instrument Date	Aug 23, 2007
Instrument	91402
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473

October 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 11, 2006
Property Address	445 WINDSWEPT DR, LANCASTER, KY 40444-8473
Document Number	000241/245
Book / Page	241 / 245
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV 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

Mortgage

Document Number	00M264/922
Date	Oct 11, 2006
Book Page	M264/922
Instrument	76243

Lender

Name	AMERICAN HOME MORTGAGE
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

Source: Garrard County records · Assessment roll updated May 5, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,598.00 (-2.26%) Homeowner's exemption	$200,000 (-) Land $40,000 Building $160,000	$200,000 (-) Land $40,000 Building $160,000
2024	$1,635.00 (-2.74%) Homeowner's exemption	$200,000 (-) Land $40,000 Building $160,000	$200,000 (-) Land $40,000 Building $160,000
2023	$1,681.00 (-4.54%) Homeowner's exemption	$200,000 (-) Land $40,000 Building $160,000	$200,000 (-) Land $40,000 Building $160,000
2022	$1,761.00 Homeowner's exemption	$200,000 Land $40,000 Building $160,000	$200,000 Land $40,000 Building $160,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Garrard County (21079C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210799703002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2015, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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