Garrard County property record for 541 Tuggle Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Lot Size | 6.21 acres (270,595 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,200 (2025) |
| Deeds & Mortgages | Jul 2026 Construction Loan Jan 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-030.12 |
| Primary APN | 10-030.12 |
|---|---|
| Alternative APNs |
|
| Lot Area | 270,595 sqft (6.21 acres) |
|---|
| Account Number | 22134 |
|---|---|
| Street Address | 541 TUGGLE RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 6.212 AC |
| Legal Subdivision | EDGINGTON TRACT |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970101 |
541 Tuggle Rd is owned and occupied by an individual.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 541 TUGGLE RD, LANCASTER, KY 40444-7823 |
| 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.
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Construction Mortgage FIRST SOUTHERN NATIONAL BANK |
| Jan 18, 2023 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 17, 2026 |
| Property Address | 541 TUGGLE RD, LANCASTER, KY 40444-7823 |
| Document Number | 0000218205 |
| Book / Page | 474 / 905 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 2026218205 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 541 TUGGLE RD, LANCASTER, KY 40444-7823 |
| Document Number | 0000218205, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 474/905 |
| Instrument | 2026218205 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Jul 15, 2028 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jan 18, 2023 |
| Property Address | TUGGLE RD, LANCASTER, KY 40444 |
| Document Number | 00D319/599 |
| Book / Page | D319 / 599 |
| Map Reference | DB 304 PG 283 |
| Instrument Date | Jan 17, 2023 |
| Instrument | 173905 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $57.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 685 SPEARS LN, DANVILLE, KY 40422-9263 |
| Name | Verified Name |
|---|---|
| Address | 541 TUGGLE RD, LANCASTER, KY 40444-7823 |
The 2025 property tax bill for 541 Tuggle Rd was $3,200 with a homeowner's exemption, up 443.3% 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 | $360,000 (-) Land $85,000 Building $275,000 | $360,000 (-) Land $85,000 Building $275,000 | |
| 2025 | $3,200.00 (+443.29%) | $360,000 (+531.58%) Land $85,000 Building $275,000 | $360,000 (+531.58%) Land $85,000 Building $275,000 |
| 2024 | $589.00 | $57,000 (-) Land $57,000 | $57,000 (-) Land $57,000 |
| 2023 | $57,000 (-82.46%) Land $57,000 | $57,000 (-82.46%) Land $57,000 | |
| 2022 | $3,056.00 Homeowner's exemption | $325,000 Land $85,000 Building $240,000 | $325,000 Land $85,000 Building $240,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 541 Tuggle Rd 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 | 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 541 Tuggle Rd is low, with a 0.03% 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 | 0.03% 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| kywimax Fixed Wireless · not low latency | 25 / 5 |
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