478 Pollys Bend Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 478 Pollys Bend Rd, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1996
Lot Size	1.26 acres (55,238 sqft)
Owner	Individual Name on Record
Last Sale	$41,000 (Apr 2010)
Tax Bill	$617 (2025)
Deeds & Mortgages	Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-12.15`

Property Details

APN / Parcel Number

Primary APN	`09-12.15`
Alternative APNs	`11720` `24623`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	55,238 sqft (1.26 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	24623
Street Address	478 POLLYS BEND RD
City	LANCASTER
State	KY
Zip	40444-9039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 & PARCEL B PC6-136
Legal Subdivision	BO LANE
Legal Lot Number	14
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2010
Census Tract	970101

Owner

Source: Garrard County records, as of May 5, 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	478 POLLYS BEND RD, LANCASTER, KY 40444-9039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2010 · Amount on Record
Deed Sale	Apr 27, 2010 · Amount on Record
Deed Book / Page	258 / 331
Last Transfer Date	Jan 1, 2021
Transfer Doc	00D307/454
Record Updated	Jun 8, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRARD KY
Recording Date	Jan 19, 2021
Property Address	478 POLLYS BEND RD, LANCASTER, KY 40444-9039
Document Number	00D307/454
Book / Page	D307 / 454
Map Reference	CAB 2 SL 490
Instrument Date	Jan 1, 2021
Instrument	160257
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5035 DANVILLE RD, NICHOLASVILLE, KY 40356-9531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 POLLYS BEND RD, LANCASTER, KY 40444-9039

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
2025	$617.00 (-0.48%)	$60,000 (-) Land $15,000 Building $45,000	$60,000 (-) Land $15,000 Building $45,000
2024	$620.00 (-2.82%)	$60,000 (-) Land $15,000 Building $45,000	$60,000 (-) Land $15,000 Building $45,000
2023	$638.00 (+45%)	$60,000 (+46.34%) Land $15,000 Building $45,000	$60,000 (+46.34%) Land $15,000 Building $45,000
2022	$440.00	$41,000 Land $41,000	$41,000 Land $41,000

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	4 in force
Nearby Flood Claims	11 (2021–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Straight-line Winds, Flooding, And Landslides, Feb 2025 · 2 claims

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	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 27 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