Garrard County property record for 537 Oak Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 1978 |
| Lot Size | 0.975 acres (42,495 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,141 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 18B-03-001 |
| Primary APN | 18B-03-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Stone |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 42,495 sqft (0.975 acres) |
| Garage Type | Attached |
| Sewer | Connected |
|---|
| Account Number | 2842 |
|---|---|
| Street Address | 537 OAK DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 970102 |
537 Oak Dr is owned and occupied by two individuals.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 537 OAK DR, LANCASTER, KY 40444-7722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 537 Oak Dr was $1,141 with a disabled person's exemption, down 2.9% 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 | $160,000 (-) Land $30,000 Building $130,000 | $160,000 (-) Land $30,000 Building $130,000 | |
| 2025 | $1,141.00 (-2.89%) Disabled Person's exemption | $160,000 (-) Land $30,000 Building $130,000 | $160,000 (-) Land $30,000 Building $130,000 |
| 2024 | $1,175.00 (+6.53%) Disabled Person's exemption | $160,000 (+6.67%) Land $30,000 Building $130,000 | $160,000 (+6.67%) Land $30,000 Building $130,000 |
| 2023 | $1,103.00 (-6.21%) Disabled Person's exemption | $150,000 (-) Land $30,000 Building $120,000 | $150,000 (-) Land $30,000 Building $120,000 |
| 2022 | $1,176.00 Disabled Person's exemption | $150,000 Land $30,000 Building $120,000 | $150,000 Land $30,000 Building $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 537 Oak Dr in Zone X, an area of minimal flood risk.
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 risk around 537 Oak 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 | 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 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 |
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