454 Sutton Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 454 Sutton Ln, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	built 1993
Lot Size	1.18 acres (51,671 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Oct 2011)
Tax Bill	$2,213 (2025)
Deeds & Mortgages	Oct 2008 Mortgage Jul 2010 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11A-01-075`

Property Details

APN / Parcel Number

Primary APN	`11A-01-075`
Alternative APN	`19745`

Interior

Stories	2 Stories

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,671 sqft (1.18 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	19745
Street Address	454 SUTTON LN
City	LANCASTER
State	KY
Zip	40444-7317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 13 TRADEWAY
Legal Subdivision	TRADEWAY FARMS
Legal Tract	13
Legal Lot Number	66&67
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3015
Census Tract	970102

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	305 BILOXI DR, NICHOLASVILLE, KY 40356-2005
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2008	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHSE BANK NA
Jul 9, 2010	Deed of Trust, Mortgage · Line of Credit FARMERS NATIONAL BANK OF DANVILLE
Dec 4, 2017	Deed, Transfer FOUNDATION TITLE, FOUNDATION TITLE
Oct 6, 2011	Deed, Transfer · FHA Mortgage WELLS FARGO BANK, N.A.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2011 · Amount on Record
Deed Sale	Oct 6, 2011 · Amount on Record
Deed Document Number	2011109716
Deed Book / Page	263 / 861
Record Updated	Oct 29, 2026

October 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	454 SUTTON LN, LANCASTER, KY 40444-7317
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00N287/197
Date	Oct 3, 2008
Book Page	N287/197
Instrument	97079

Lender

Name	JPMORGAN CHSE BANK NA
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2038

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	454 SUTTON LN, LANCASTER, KY 40444-7317
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M300/246
Date	Jul 9, 2010
Book Page	M300/246
Instrument	104718

Lender

Name	FARMERS NATIONAL BANK OF DANVILLE
Address	DANVILLE, KY 40422

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 3, 2040

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 3, 2015
Change Frequency	Annually

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 4, 2017
Property Address	454 SUTTON LN, LANCASTER, KY 40444-7317
Document Number	000291/452
Book / Page	291 / 452
Map Reference	PL CAB 1 SL 304
Instrument Date	Nov 30, 2017
Instrument	136831
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	FOUNDATION TITLE, FOUNDATION TITLE

Transaction

Amount	Amount Recorded
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 MARTIN LUTHER KING ST, STANFORD, KY 40484-1233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 SUTTON LN, LANCASTER, KY 40444-7317
Investor	Possibly a Property Investor

October 2011: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 6, 2011
Property Address	454 SUTTON LN, LANCASTER, KY 40444-7317
Document Number	000263/861
Book / Page	263 / 861
Instrument Date	Oct 4, 2011
Instrument	109716
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	454 SUTTON LN, LANCASTER, KY 40444-7317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 SUTTON LN, LANCASTER, KY 40444-7317
Mail Care Of	454 SUTTON LANE LANCASTER KY 40444
Investor	Possibly a Property Investor

Mortgage

Document Number	000309/858
Date	Oct 6, 2011
Book Page	309/858
Instrument	109717

Lender

Name	WELLS FARGO BANK, N.A.

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2041

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		$215,000 (-) Land $30,000 Building $185,000	$215,000 (-) Land $30,000 Building $185,000
2025	$2,213.00 (-0.45%)	$215,000 (-) Land $30,000 Building $185,000	$215,000 (-) Land $30,000 Building $185,000
2024	$2,223.00 (-2.84%)	$215,000 (-) Land $30,000 Building $185,000	$215,000 (-) Land $30,000 Building $185,000
2023	$2,288.00 (+0.97%)	$215,000 (+1.9%) Land $30,000 Building $185,000	$215,000 (+1.9%) Land $30,000 Building $185,000
2022	$2,266.00	$211,000 Land $26,000 Building $185,000	$211,000 Land $26,000 Building $185,000

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	100 / 20
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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