45 Emma Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 45 Emma Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2003
Lot Size	1.38 acres (60,287 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Dec 2021)
Tax Bill	$2,418 (2025)
Deeds & Mortgages	Dec 2021 Sale Nov 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-099.09`

Property Details

APN / Parcel Number

Primary APN	`11-099.09`
Alternative APN	`23697`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 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	60,287 sqft (1.38 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	23697
Street Address	45 EMMA DR
City	LANCASTER
State	KY
Zip	40444-7239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 CADES COVE
Legal Subdivision	CADES COVE
Legal Lot Number	9
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3001
Census Tract	970102

Owner

45 Emma Dr is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	45 EMMA DR, LANCASTER, KY 40444-7239
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
Dec 28, 2021	Deed, Transfer
Nov 7, 2019	Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC
Oct 2, 2019	Deed, Transfer BLUEGRASS LAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on File
Deed Sale	Dec 28, 2021 · Amount on File
Prior Sale	Oct 2, 2019 · Amount on File
Deed Document Number	2021166687
Deed Book / Page	313 / 592
Prior Transfer Date	Dec 27, 2021
Prior Transfer Doc	00D313/592
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 28, 2021
Property Address	45 EMMA DR, LANCASTER, KY 40444-7239
Document Number	00D313/592
Book / Page	D313 / 592
Map Reference	DB 300 PG 298
Instrument Date	Dec 27, 2021
Instrument	166687
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 EMMA DR, LANCASTER, KY 40444-7239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 EMMA DR, LANCASTER, KY 40444-7239

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Nov 7, 2019
Property Address	45 EMMA DR, LANCASTER, KY 40444-7239
Document Number	00D300/737
Book / Page	D300 / 737
Map Reference	DB 294 PG 544
Instrument Date	Oct 4, 2019
Instrument	154852
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Tax	$289.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2440 MACKINWOOD DR, LEXINGTON, KY 40510-1009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 EMMA DR, LANCASTER, KY 40444-7239

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 2, 2019
Property Address	45 EMMA DR, LANCASTER, KY 40444-7239
Document Number	00D300/298
Book / Page	D300 / 298
Map Reference	CAB 3 SL 170
Instrument Date	Sep 30, 2019
Instrument	154155
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount on Record
Tax	$183.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 LAUREN LN, LANCASTER, KY 40444-9746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 EMMA DR, LANCASTER, KY 40444-7239

Tax Assessment & Valuation

The 2025 property tax bill for 45 Emma Dr was $2,418, down 0.5% 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		$235,000 (-) Land $30,000 Building $205,000	$235,000 (-) Land $30,000 Building $205,000
2025	$2,418.00 (-0.49%)	$235,000 (-) Land $30,000 Building $205,000	$235,000 (-) Land $30,000 Building $205,000
2024	$2,430.00 (-2.84%)	$235,000 (-) Land $30,000 Building $205,000	$235,000 (-) Land $30,000 Building $205,000
2023	$2,501.00 (-0.91%)	$235,000 (-) Land $30,000 Building $205,000	$235,000 (-) Land $30,000 Building $205,000
2022	$2,524.00	$235,000 Land $30,000 Building $205,000	$235,000 Land $30,000 Building $205,000

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

Flood

FEMA maps place 45 Emma Dr 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 45 Emma Dr 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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Emma Dr

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