Garrard County property record for 504 Overlook Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.76 acres (76,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $575,000 (Dec 2025) |
| Tax Bill | $4,023 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jun 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04B-02-016 |
| Primary APN | 04B-02-016 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Exterior Material | Vinyl |
|---|---|
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 76,850 sqft (1.76 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 23994 |
|---|---|
| Street Address | 504 OVERLOOK DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7998 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT W18 HIDEAWAY COVE & H |
| Legal Subdivision | HIDEAWAY COVE |
| Legal Lot Number | W18 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 970101 |
504 Overlook Dr is owned and occupied by two individuals who bought it in December 2025.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| Jun 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Dec 4, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| May 1, 2023 | Deed, Transfer |
| Oct 1, 2021 | Deed, Transfer UNKNOWN, LAND GROUP REAL ESTATE TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2025 · Amount on File |
| Deed Sale | Dec 4, 2025 · Amount on File |
| Prior Sale | Oct 1, 2021 · Amount on File |
| Deed Document Number | 2025202026 |
| Deed Book / Page | 335 / 83 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 2, 2026 |
| Property Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Document Number | 0000221245 |
| Book / Page | 476 / 757 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 2026221245 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Document Number | 0000221245, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 476/757 |
| Instrument | 2026221245 |
| Name | WESBANCO BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Aug 28, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 16, 2026 |
| Property Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Document Number | 0000216623 |
| Book / Page | 473 / 462 |
| Instrument Date | Jun 2, 2026 |
| Instrument | 2026216623 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | RAINBOW TITLE |
| Name | Verified Name |
|---|---|
| Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Investor | Possibly a Property Investor |
| Document Number | 0000216623, |
|---|---|
| Date | Jun 16, 2026 |
| Book Page | 473/462 |
| Instrument | 2026216623 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 4, 2025 |
| Property Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Document Number | 000D335/83 |
| Book / Page | D335 / 83 |
| Map Reference | CAB 1 SL 293 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 202026 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | RAINBOW TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8315 NAMOZINE RD, AMELIA COURT HOUSE, VA 23002-3409 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Document Number | 0000202027 |
|---|---|
| Date | Dec 4, 2025 |
| Instrument | 202027 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Dec 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year CMT |
| Max Rate | 13.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 1, 2023 |
| Property Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Document Number | 00D320/862 |
| Book / Page | D320 / 862 |
| Map Reference | DB 299 PG 771 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 175393 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1001 FORREST HILL DR, LAWRENCEBURG, KY 40342-9294 |
| Name | Verified Name |
|---|---|
| Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Oct 1, 2021 |
| Property Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
| Document Number | 00D312/224 |
| Book / Page | D312 / 224 |
| Map Reference | DB 235 PG 843 |
| Instrument Date | Sep 25, 2021 |
| Instrument | 164859 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | UNKNOWN, LAND GROUP REAL ESTATE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.44 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 60 CANDLEWOOD DR, NICHOLASVILLE, KY 40356-9761 |
| Name | Verified Name |
|---|---|
| Address | 504 OVERLOOK DR, LANCASTER, KY 40444-7998 |
The 2025 property tax bill for 504 Overlook Dr was $4,023 with a homeowner's exemption, down 1.2% 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 | $575,000 (+30.68%) Land $75,000 Building $500,000 | $575,000 (+30.68%) Land $75,000 Building $500,000 | |
| 2025 | $4,023.00 (-1.18%) Homeowner's exemption | $440,000 (-) Land $40,000 Building $400,000 | $440,000 (-) Land $40,000 Building $400,000 |
| 2024 | $4,071.00 (-2.82%) Homeowner's exemption | $440,000 (-) Land $40,000 Building $400,000 | $440,000 (-) Land $40,000 Building $400,000 |
| 2023 | $4,189.00 (-2.35%) Homeowner's exemption | $440,000 (+0.02%) Land $40,000 Building $400,000 | $440,000 (+0.02%) Land $40,000 Building $400,000 |
| 2022 | $4,290.00 Homeowner's exemption | $439,900 Land $39,900 Building $400,000 | $439,900 Land $39,900 Building $400,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 504 Overlook Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Wildfire risk around 504 Overlook Dr is low, with a 0.01% 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 | 0.01% 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 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
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