494 Oak Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 494 Oak Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba
Lot Size	1.08 acres (47,226 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Mar 2026)
Tax Bill	$1,646 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2012 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18B-02-011`

Property Details

APN / Parcel Number

Primary APN	`18B-02-011`
Alternative APN	`18707`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Exterior Material	Stone
Foundation Type	Block
Roof Type	Hip
Lot Area	47,226 sqft (1.08 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	18707
Street Address	494 OAK DR
City	LANCASTER
State	KY
Zip	40444-7721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	494 OAK DR
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	11
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2004
Census Tract	970102

Owner

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	494 OAK DR, LANCASTER, KY 40444-7721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage FARMERS BANK
Mar 7, 2012	Deed of Trust, Mortgage BANK OF LEXINGTON
Mar 7, 2012	Deed of Trust, Mortgage · Negative Amortization FRANKLIN AMERICAN MORTGAGE COMPANY
Mar 3, 2026	Deed, Transfer · FHA Mortgage PEOPLES EXCHANGE BANK
Oct 25, 2016	Intrafamily Transfer, Transfer
Apr 5, 2007	Deed, Transfer · Conventional Mortgage NATIONAL CITY MORTGAGE
Oct 21, 2006	Deed, Transfer · Conventional Mortgage CENTRAL BANK AND TRUST CO DBA CENTRAL BA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2026 · Amount on Record
Deed Sale	Mar 3, 2026 · Amount on Record
Prior Sale	Apr 5, 2007 · Amount on Record
Deed Document Number	2026211660
Deed Book / Page	336 / 88
Prior Transfer Date	Sep 26, 2016
Prior Transfer Doc	000286/087
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	494 OAK DR, LANCASTER, KY 40444-7721
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5234 SULPHUR WELL PIKE, NICHOLASVILLE, KY 40356-9564

Mortgage

Document Number	00M466/604
Date	Dec 24, 2025
Book Page	M466/604
Instrument	202559

Lender

Name	FARMERS BANK
Type	Bank
Address	NICHOLASVILLE, KY 40356

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Dec 5, 2026

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	494 OAK DR, LANCASTER, KY 40444-7721
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 OAK DR, LANCASTER, KY 40444-7721

Mortgage

Document Number	000312/961
Date	Mar 7, 2012
Book Page	312/961
Instrument	111205

Lender

Name	BANK OF LEXINGTON

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 10, 2017

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	494 OAK DR, LANCASTER, KY 40444-7721
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000312/946
Date	Mar 7, 2012
Book Page	312/946
Instrument	111204

Lender

Name	FRANKLIN AMERICAN MORTGAGE COMPANY

Agreement

Type	Negative Amortization
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2042

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Mar 3, 2026
Property Address	494 OAK DR, LANCASTER, KY 40444-7721
Document Number	000D336/88
Book / Page	D336 / 88
Map Reference	CAB 1 SL 61
Instrument Date	Feb 27, 2026
Instrument	211660
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5234 SULPHUR WELL PIKE, NICHOLASVILLE, KY 40356-9564

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	494 OAK DR, LANCASTER, KY 40444-7721

Mortgage

Document Number	0000211661
Date	Mar 3, 2026
Instrument	211661

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

October 2016: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRARD KY
Recording Date	Oct 25, 2016
Property Address	494 OAK DR, LANCASTER, KY 40444-7721
Document Number	000286/087
Book / Page	286 / 087
Instrument Date	Sep 26, 2016
Instrument	132384
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 N 2ND ST, NICHOLASVILLE, KY 40356-1224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 OAK DR, LANCASTER, KY 40444-7721

April 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 5, 2007
Property Address	494 OAK DR, LANCASTER, KY 40444-7721
Document Number	00D243/994
Book / Page	D243 / 994
Instrument Date	Mar 29, 2007
Instrument	85439
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	177 ELLENSHIRE PARK BLVD, LEXINGTON, KY 40509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 OAK DR, LANCASTER, KY 40444-7721

Mortgage

Document Number	00M271/633
Date	Apr 5, 2007
Book Page	M271/633
Instrument	85442

Lender

Name	NATIONAL CITY MORTGAGE
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2037

October 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 21, 2006
Property Address	494 OAK DR, LANCASTER, KY 40444-7721
Document Number	000241/410
Book / Page	241 / 410
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 OAK DR, LANCASTER, KY 40444-7721

Mortgage

Document Number	00M265/286
Date	Oct 21, 2006
Book Page	M265/286
Instrument	76581

Lender

Name	CENTRAL BANK AND TRUST CO DBA CENTRAL BA
Address	LEXINGTON, KY 40503

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2036

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
2026		$160,000 (-) Land $30,000 Building $130,000	$160,000 (-) Land $30,000 Building $130,000
2025	$1,646.00 (-0.48%)	$160,000 (-) Land $30,000 Building $130,000	$160,000 (-) Land $30,000 Building $130,000
2024	$1,654.00 (-1.9%)	$160,000 (+0.95%) Land $30,000 Building $130,000	$160,000 (+0.95%) Land $30,000 Building $130,000
2023	$1,686.00 (-0.94%)	$158,500 (-) Land $30,000 Building $128,500	$158,500 (-) Land $30,000 Building $128,500
2022	$1,702.00	$158,500 Land $30,000 Building $128,500	$158,500 Land $30,000 Building $128,500

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	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

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	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 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

Cell Coverage

5G and 4G LTE (outdoors only)

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