Garrard County property record for 455 Oak Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 1.07 acres (46,924 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $886,010 (Aug 2021) |
| Tax Bill | $1,441 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18B-03-003 |
| Primary APN | 18B-03-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 46,924 sqft (1.07 acres) |
| Garage Type | Attached |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 14195 |
|---|---|
| Street Address | 455 OAK DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L WHISPERING HILLS |
| Legal Subdivision | WHISPERING HILLS |
| Legal Lot Number | 15 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 970102 |
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 | 25 PINE DR, LANCASTER, KY 40444-7741 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2021 · Amount on Record |
| Deed Sale | Aug 11, 2021 · Amount on Record |
| Deed Document Number | 2021163550 |
| Deed Book / Page | 38 / 821 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 455 OAK DR, LANCASTER, KY 40444-7721 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 25 PINE DR, LANCASTER, KY 40444-7741 |
| Document Number | 00M463/116 |
|---|---|
| Date | Oct 3, 2025 |
| Book Page | M463/116 |
| Instrument | 199715 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LANCASTER, KY 40444 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 35 Months |
| Due | Sep 25, 2028 |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $140,000 (-) Land $30,000 Building $110,000 | $140,000 (-) Land $30,000 Building $110,000 | |
| 2025 | $1,441.00 (-0.48%) | $140,000 (-) Land $30,000 Building $110,000 | $140,000 (-) Land $30,000 Building $110,000 |
| 2024 | $1,448.00 (+0.84%) | $140,000 (+3.7%) Land $30,000 Building $110,000 | $140,000 (+3.7%) Land $30,000 Building $110,000 |
| 2023 | $1,436.00 (+68.15%) | $135,000 (+12.5%) Land $25,000 Building $110,000 | $135,000 (+12.5%) Land $25,000 Building $110,000 |
| 2022 | $854.00 Homeowner's exemption | $120,000 Land $25,000 Building $95,000 | $120,000 Land $25,000 Building $95,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 | 0.01% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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