520 Ronclar Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 520 Ronclar Dr, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	built 2001
Lot Size	74.8 acres (3,259,595 sqft)
Owner	2 Individual Names on Record
Last Sale	$438,000 (Aug 2023)
Tax Bill	$1,441 (2025)
Deeds & Mortgages	May 2013 Mortgage Jan 2009 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-01`

Property Details

APN / Parcel Number

Primary APN	`03-01`
Alternative APN	`13479`

Interior

Stories	1 Story

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	3,259,595 sqft (74.8 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13479
Street Address	520 RONCLAR DR
City	LANCASTER
State	KY
Zip	40444-9091
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Subdivision	GEO LANE DIVISION
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2026
Census Tract	970101

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	520 RONCLAR DR, LANCASTER, KY 40444-9091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2013	Deed of Trust, Mortgage KENTUCKY BANK
Jan 12, 2009	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
Apr 28, 2006	Deed of Trust, Mortgage · Line of Credit FARMERS NATIONAL BANK OF DANVILLE
Mar 30, 2007	Deed of Trust, Mortgage · Line of Credit FARMERS NATIONA BANK OF DANVILLE
May 30, 2013	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on Record
Deed Sale	Aug 3, 2023 · Amount on Record
Deed Document Number	2023177276
Deed Book / Page	322 / 413
Record Updated	Oct 29, 2026

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	520 RONCLAR DR, LANCASTER, KY 40444-9091
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000324/292
Date	May 30, 2013
Book Page	324/292
Instrument	116632

Lender

Name	KENTUCKY BANK
Address	PARIS, KY 40361

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2043

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	520 RONCLAR DR, LANCASTER, KY 40444-9091
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M289/182
Date	Jan 12, 2009
Book Page	M289/182
Instrument	98065

Lender

Name	COUNTRYWIDE BANK FSB
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2024

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	520 RONCLAR DR, LANCASTER, KY 40444-9091
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M257/814
Date	Apr 28, 2006
Book Page	M257/814
Instrument	70262

Lender

Name	FARMERS NATIONAL BANK OF DANVILLE
Address	DANVILLE, KY 40422

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 19, 2016

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	520 RONCLAR DR, LANCASTER, KY 40444-9091
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M271/346
Date	Mar 30, 2007
Book Page	M271/346
Instrument	85126

Lender

Name	FARMERS NATIONA BANK OF DANVILLE
Address	DANVILLE, KY 40422

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 23, 2012

May 2013: Correction Deed

Document Type	Correction Deed
Jurisdiction	GARRARD KY
Recording Date	May 30, 2013
Property Address	520 RONCLAR DR, LANCASTER, KY 40444-9091
Document Number	000270/679
Book / Page	270 / 679
Instrument	116631
Record Updated	May 5, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 RONCLAR DR, LANCASTER, KY 40444-9091

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	520 RONCLAR DR, LANCASTER, KY 40444-9091
Investor	Possibly a Property Investor

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		$140,000 (-)	$360,000 (+157.14%) Land $360,000
2025	$1,441.00 (-0.48%)	$140,000 (-) Land $20,000 Building $120,000	$140,000 (-) Land $20,000 Building $120,000
2024	$1,448.00 (-15.27%)	$140,000 (-) Land $20,000 Building $120,000	$140,000 (-) Land $20,000 Building $120,000
2023	$1,709.00 (+5.82%)	$140,000 (+7.69%) Land $20,000 Building $120,000	$140,000 (+7.69%) Land $20,000 Building $120,000
2022	$1,615.00	$130,000 Land $20,000 Building $110,000	$130,000 Land $20,000 Building $110,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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