620 Lakeside Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 620 Lakeside Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · built 2005
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Aug 2013)
Tax Bill	$2,788 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-01.037`

Property Details

APN / Parcel Number

Primary APN	`07-01.037`
Alternative APN	`16477`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	16477
Street Address	620 LAKESIDE DR
City	LANCASTER
State	KY
Zip	40444-7269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 37 HERRINGTON HILLS & HOUSE
Legal Subdivision	HERRINGTON HILLS
Legal Lot Number	37
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	1
Census Block	1005
Census Tract	970102

Owner

620 Lakeside Dr is owned and occupied by an individual who bought it in August 2013.

Source: Garrard County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	620 LAKESIDE DR, LANCASTER, KY 40444-7269
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2013 · Amount on File
Deed Sale	Aug 30, 2013 · Amount on File
Deed Document Number	2013117739
Deed Book / Page	271 / 878
Prior Transfer Date	Jun 12, 2013
Prior Transfer Doc	000271/878
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Jun 3, 2026
Property Address	620 LAKESIDE DR, LANCASTER, KY 40444-7269
Document Number	0000216121
Book / Page	472 / 852
Instrument Date	May 21, 2026
Instrument	2026216121
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 LAKESIDE DR, LANCASTER, KY 40444-7269

Mortgage

Document Number	0000216121,
Date	Jun 3, 2026
Book Page	472/852
Instrument	2026216121

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 28, 2056

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 620 Lakeside Dr was $2,788 with a homeowner's exemption, down 1.5% from the year before.

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
2026		$320,000 (-) Land $100,000 Building $220,000	$320,000 (-) Land $100,000 Building $220,000
2025	$2,788.00 (-1.48%) Homeowner's exemption	$320,000 (-) Land $100,000 Building $220,000	$320,000 (-) Land $100,000 Building $220,000
2024	$2,830.00 (-2.82%) Homeowner's exemption	$320,000 (-) Land $100,000 Building $220,000	$320,000 (-) Land $100,000 Building $220,000
2023	$2,912.00 Homeowner's exemption	$320,000 Land $100,000 Building $220,000	$320,000 Land $100,000 Building $220,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 620 Lakeside Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 620 Lakeside Dr 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 93% of the US · lower than 92% 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 13 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

May also be available: Spectrum, Windstream.

Cell Coverage

5G and 4G LTE (outdoors only)

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