5409 Lexington Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 5409 Lexington Rd, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · built 1984
Lot Size	11.3 acres (492,228 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (Mar 2025)
Tax Bill	$1,492 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01`

Property Details

APN / Parcel Number

Primary APN	`13-01`
Alternative APN	`3436`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	492,228 sqft (11.3 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Sewer	Connected

Location & Zoning

Account Number	3436
Street Address	5409 LEXINGTON RD
City	LANCASTER
State	KY
Zip	40444-7013
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Subdivision	TRACT DIVISIONS FOR SPRINT BUILDERS LTD
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3002
Census Tract	970201

Owner

Source: Garrard County records, as of May 5, 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	5409 LEXINGTON RD, LANCASTER, KY 40444-7013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2025 · Amount on Record
Deed Sale	Mar 17, 2025 · Amount on Record
Deed Document Number	2025192513
Deed Book / Page	331 / 62
Record Updated	Sep 20, 2026

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Mar 17, 2025
Property Address	5409 LEXINGTON RD, LANCASTER, KY 40444-7013
Document Number	000D331/62
Book / Page	D331 / 62
Map Reference	MB 3 PG 64
Instrument Date	Mar 13, 2025
Instrument	192513
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$326.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 GUINN FARM RD, SOMERSET, KY 42503-7221

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5409 LEXINGTON RD, LANCASTER, KY 40444-7013

Mortgage

Document Number	00M455/279
Date	Mar 17, 2025
Book Page	M455/279
Instrument	192514

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

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
2025	$1,492.00 (-0.47%)	$145,000 (+7.41%) Land $20,000 Building $125,000	$145,000 (+7.41%) Land $20,000 Building $125,000
2024	$1,499.00 (-2.85%)	$135,000 (-) Land $20,000 Building $115,000	$135,000 (-) Land $20,000 Building $115,000
2023	$1,543.00 (+6.41%)	$135,000 (-) Land $20,000 Building $115,000	$135,000 (-) Land $20,000 Building $115,000
2022	$1,450.00	$135,000 Land $20,000 Building $115,000	$135,000 Land $20,000 Building $115,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.03% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
kywimax Fixed Wireless · not low latency	25 / 5
Windstream DSL	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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