Garrard County property record for 596 Ross Rd, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba |
| Lot Size | 52.6 acres (2,292,476 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,000 (Oct 2021) |
| Tax Bill | $822 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 55-05 |
| Primary APN | 55-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 2,292,476 sqft (52.6 acres) |
| Sewer | Connected |
|---|
| Account Number | 8538 |
|---|---|
| Street Address | 596 ROSS RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | HSE & TR B 52.628 AC |
| Legal Subdivision | WALTON ESTATE |
| Legal Tract | B |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 970202 |
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 | 596 ROSS RD, LANCASTER, KY 40444-9728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2021 · Amount on Record |
| Deed Sale | Oct 25, 2021 · Amount on Record |
| Deed Document Number | 2021165306 |
| Deed Book / Page | 312 / 506 |
| Prior Transfer Date | Mar 22, 2021 |
| Prior Transfer Doc | 0000161077 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 1, 2026 |
| Property Address | 596 ROSS RD, LANCASTER, KY 40444-9728 |
| Document Number | 0000213326 |
| Book / Page | 469 / 796 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 2026213326 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 596 ROSS RD, LANCASTER, KY 40444-9728 |
| Document Number | 0000213326, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 469/796 |
| Instrument | 2026213326 |
| Name | WHITAKER BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 26, 2041 |
| Rate | 5.44% |
|---|---|
| Max Rate | -1% |
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 | $110,000 (+37.5%) | $300,000 (+275%) Land $290,000 Building $10,000 | |
| 2025 | $822.00 (-0.48%) | $80,000 (-) Land $20,000 Building $60,000 | $80,000 (-) Land $20,000 Building $60,000 |
| 2024 | $826.00 (-2.82%) | $80,000 (-) Land $20,000 Building $60,000 | $80,000 (-) Land $20,000 Building $60,000 |
| 2023 | $850.00 (-0.93%) | $80,000 (-) Land $20,000 Building $60,000 | $80,000 (-) Land $20,000 Building $60,000 |
| 2022 | $858.00 | $80,000 Land $20,000 Building $60,000 | $80,000 Land $20,000 Building $60,000 |
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 | 4 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 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 100 / 3 |
5G and 4G LTE (outdoors only)
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