Garrard County property record for 491 Chenault Bridge Rd, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · built 1999 |
| Lot Size | 10.7 acres (469,141 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Nov 2025) |
| Tax Bill | $1,605 (2025) |
| Deeds & Mortgages | Nov 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-55.05 |
| Primary APN | 12-55.05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 469,141 sqft (10.7 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 984 |
|---|---|
| Street Address | 491 CHENAULT BRIDGE RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Subdivision | BETTY KERN MILLER SUBDIVISION |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 491 CHENAULT BRIDGE RD, LANCASTER, KY 40444-9526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2025 · Amount on Record |
| Deed Sale | Nov 20, 2025 · Amount on Record |
| Prior Sale | Jun 18, 2025 · Amount on Record |
| Deed Document Number | 2025201658 |
| Deed Book / Page | 334 / 864 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Nov 20, 2025 |
| Property Address | 491 CHENAULT BRIDGE RD, LANCASTER, KY 40444-9526 |
| Document Number | 00D334/864 |
| Book / Page | D334 / 864 |
| Map Reference | CAB 7 SL 165 |
| Instrument Date | Nov 20, 2025 |
| Instrument | 201658 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $225.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 163 CHENAULT BRIDGE RD, LANCASTER, KY 40444-8593 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 491 CHENAULT BRIDGE RD, LANCASTER, KY 40444-9526 |
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 | $156,000 (-) | $190,000 (+21.79%) Land $190,000 | |
| 2025 | $1,605.00 (-0.5%) | $156,000 (-) Land $6,000 Building $150,000 | $156,000 (-) Land $6,000 Building $150,000 |
| 2024 | $1,613.00 (-2.83%) | $156,000 (-) Land $6,000 Building $150,000 | $156,000 (-) Land $6,000 Building $150,000 |
| 2023 | $1,660.00 (+1.03%) | $156,000 (+1.96%) Land $6,000 Building $150,000 | $156,000 (+1.96%) Land $6,000 Building $150,000 |
| 2022 | $1,643.00 | $153,000 Land $3,000 Building $150,000 | $153,000 Land $3,000 Building $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| kywimax Fixed Wireless · not low latency | 25 / 5 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: AT&T, Spectrum, Windstream.
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