478 Emma Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 478 Emma Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2005
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Apr 2005)
Tax Bill	$1,192 (2025)
Deeds & Mortgages	Aug 2007 Line of Credit Apr 2012 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11-099.60`

Property Details

APN / Parcel Number

Primary APN	`11-099.60`
Alternative APN	`19543`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19543
Street Address	478 EMMA DR
City	LANCASTER
State	KY
Zip	40444-7243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 60 CADES COVE
Legal Subdivision	CADES COVE
Legal Lot Number	60
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3005
Census Tract	970102

Owner

478 Emma Dr is owned and occupied by an individual who bought it in April 2005.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 2079, DANVILLE, KY 40423-2079
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
Aug 3, 2007	Deed of Trust, Mortgage · Line of Credit GE MONEY BANK
Apr 2, 2012	Deed of Trust, Mortgage · FHA Mortgage GUARDIAN SAVINGS BANK F.S.B.
Nov 8, 2005	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK
Apr 24, 2006	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 28, 2017	Deed, Transfer
Apr 24, 2005	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2005 · Amount on File
Deed Sale	Apr 24, 2005 · Amount on File
Deed Document Number	200570167
Deed Book / Page	237 / 814
Record Updated	Oct 29, 2026

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	478 EMMA DR, LANCASTER, KY 40444-7243
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M276/328
Date	Aug 3, 2007
Book Page	M276/328
Instrument	91027

Lender

Name	GE MONEY BANK
Address	SALT LAKE CITY, UT 84123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	292 Months
Due	Dec 10, 2031

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	478 EMMA DR, LANCASTER, KY 40444-7243
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000313/441
Date	Apr 2, 2012
Book Page	313/441
Instrument	111496

Lender

Name	GUARDIAN SAVINGS BANK F.S.B.

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2027

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	478 EMMA DR, LANCASTER, KY 40444-7243
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 642, LANCASTER, KY 40444-0642
Investor	Possibly a Property Investor

Mortgage

Document Number	00M251/666
Date	Nov 8, 2005
Book Page	M251/666
Instrument	68088

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Address	LANCASTER, KY 40444

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Nov 2, 2006

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	478 EMMA DR, LANCASTER, KY 40444-7243
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M257/525
Date	Apr 24, 2006
Book Page	M257/525
Instrument	70168

Lender

Name	JPMORGAN CHASE BANK NA
Address	DEERFIELD BEACH, FL 33442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2036

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 28, 2017
Property Address	478 EMMA DR, LANCASTER, KY 40444-7243
Document Number	000290/160
Book / Page	290 / 160
Instrument Date	Aug 25, 2017
Instrument	135749
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$163.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	478 EMMA DR, LANCASTER, KY 40444-7243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2079, DANVILLE, KY 40423-2079

April 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 24, 2005
Property Address	478 EMMA DR, LANCASTER, KY 40444-7243
Document Number	00D237/814
Book / Page	D237 / 814
Instrument Date	Apr 20, 2005
Instrument	70167
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	287 FORK CHURCH RD, LANCASTER, KY 40444-9535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 EMMA DR, LANCASTER, KY 40444-7243

Tax Assessment & Valuation

The 2025 property tax bill for 478 Emma Dr was $1,192 with a homeowner's exemption, down 2.9% 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		$165,000 (-) Land $25,000 Building $140,000	$165,000 (-) Land $25,000 Building $140,000
2025	$1,192.00 (-2.85%) Homeowner's exemption	$165,000 (-) Land $25,000 Building $140,000	$165,000 (-) Land $25,000 Building $140,000
2024	$1,227.00 (-2.77%) Homeowner's exemption	$165,000 (-) Land $25,000 Building $140,000	$165,000 (-) Land $25,000 Building $140,000
2023	$1,262.00 (-4.1%) Homeowner's exemption	$165,000 (+1.23%) Land $25,000 Building $140,000	$165,000 (+1.23%) Land $25,000 Building $140,000
2022	$1,316.00 Homeowner's exemption	$163,000 Land $25,000 Building $138,000	$163,000 Land $25,000 Building $138,000

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

Flood

FEMA maps place 478 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 478 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 (outdoors only) and 4G LTE

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