Garrard County property record for 470 Richmond Road Loop 2, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2001 |
| Lot Size | 1.28 acres (55,757 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,324 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-74.01 |
| Primary APN | 43-74.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 55,757 sqft (1.28 acres) |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 5214 |
|---|---|
| Street Address | 470 RICHMOND ROAD LOOP 2 |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7281 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1.280 AC |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 970202 |
470 Richmond Road Loop 2 is owned and occupied by two individuals.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 470 RICHMOND ROAD LOOP 2, LANCASTER, KY 40444-7281 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 470 Richmond Road Loop 2 was $1,324, up 3.7% from the year before.
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 | $125,000 (-) Land $25,000 Building $100,000 | $125,000 (-) Land $25,000 Building $100,000 | |
| 2025 | $1,324.00 (+3.68%) | $125,000 (+4.17%) Land $25,000 Building $100,000 | $125,000 (+4.17%) Land $25,000 Building $100,000 |
| 2024 | $1,277.00 (-2.74%) | $120,000 (-) Land $20,000 Building $100,000 | $120,000 (-) Land $20,000 Building $100,000 |
| 2023 | $1,313.00 (-0.91%) | $120,000 (-) Land $20,000 Building $100,000 | $120,000 (-) Land $20,000 Building $100,000 |
| 2022 | $1,325.00 | $120,000 Land $20,000 Building $100,000 | $120,000 Land $20,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 470 Richmond Road Loop 2 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 | 4 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 risk around 470 Richmond Road Loop 2 is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
| Windstream DSL | 10 / 1 |
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