Garrard County property record for 555 Wesley Dr, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba |
| Lot Size | 47.8 acres (2,082,691 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Aug 2023) |
| Tax Bill | $1,832 (2025) |
| Deeds & Mortgages | Jun 2009 Mortgage Apr 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-35.05 |
| Primary APN | 34-35.05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 2,082,691 sqft (47.8 acres) |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 25091 |
|---|---|
| Street Address | 555 WESLEY DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | TR A-3A |
| Legal Tract | A-3 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970201 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 555 WESLEY DR, LANCASTER, KY 40444-7149 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2009 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMERCE NATIONAL BANK |
| Apr 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 7, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2023 · Amount on Record |
| Deed Sale | Aug 7, 2023 · Amount on Record |
| Deed Document Number | 2023177302 |
| Deed Book / Page | 322 / 442 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 555 WESLEY DR, LANCASTER, KY 40444-7149 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M292/682 |
|---|---|
| Date | Jun 11, 2009 |
| Book Page | M292/682 |
| Instrument | 99792 |
| Name | CITIZENS COMMERCE NATIONAL BANK |
|---|---|
| Address | VERSAILLES, KY 40383 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 15, 2026 |
| Property Address | 555 WESLEY DR, LANCASTER, KY 40444-7149 |
| Document Number | 0000213904 |
| Book / Page | 470 / 448 |
| Instrument Date | Apr 7, 2026 |
| Instrument | 2026213904 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 555 WESLEY DR, LANCASTER, KY 40444-7149 |
| Document Number | 0000213904, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 470/448 |
| Instrument | 2026213904 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Aug 7, 2023 |
| Property Address | 555 WESLEY DR, LANCASTER, KY 40444-7149 |
| Document Number | 00D322/442 |
| Book / Page | D322 / 442 |
| Map Reference | DB D229 PG 223 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 177302 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $220.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 555 WESLEY DR, LANCASTER, KY 40444-7149 |
| Name | Verified Name |
|---|---|
| Address | 555 WESLEY DR, LANCASTER, KY 40444-7149 |
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 | $173,000 (-) | $262,000 (+51.45%) Land $255,000 Building $7,000 | |
| 2025 | $1,832.00 (-0.49%) | $173,000 (+4.22%) Land $11,000 Building $162,000 | $173,000 (+4.22%) Land $11,000 Building $162,000 |
| 2024 | $1,841.00 (+65.56%) | $166,000 (+17.73%) Land $11,000 Building $155,000 | $166,000 (+17.73%) Land $11,000 Building $155,000 |
| 2023 | $1,112.00 (-6.32%) Homeowner's exemption | $141,000 (-) Land $11,000 Building $130,000 | $141,000 (-) Land $11,000 Building $130,000 |
| 2022 | $1,187.00 Homeowner's exemption | $141,000 Land $11,000 Building $130,000 | $141,000 Land $11,000 Building $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% 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 | LANCASTER WATER WORKS serves 4,573 people · EPA ID KY0400233 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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