654 Perry Rogers Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 654 Perry Rogers Rd, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · built 2006
Lot Size	6.99 acres (304,833 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,500 (Aug 2021)
Tax Bill	$3,442 (2025)
Deeds & Mortgages	Jun 2006 Mortgage Feb 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`42-36.03`

Property Details

APN / Parcel Number

Primary APN	`42-36.03`
Alternative APN	`23485`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Roof Material	Composition Shingle
Lot Area	304,833 sqft (6.99 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	23485
Street Address	654 PERRY ROGERS RD
City	LANCASTER
State	KY
Zip	40444-9748
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 5 PC 3-243 6.998 AC
Legal Tract	5
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1050
Census Tract	970202

Owner

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	4183 KIRKSVILLE RD, LANCASTER, KY 40444-8660
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2006	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HOME MORTGAGE
Feb 10, 2009	Deed of Trust, Mortgage · Conventional Mortgage TAYLOR BEAN AND WHITAKER MORTGAGE CORP
Aug 11, 2021	Administrator's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2021 · Amount on Record
Deed Sale	Aug 11, 2021 · Amount on Record
Prior Sale	Aug 11, 2021 · Amount on Record
Deed Document Number	2021163536
Deed Book / Page	311 / 248
Record Updated	Oct 29, 2026

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	654 PERRY ROGERS RD, LANCASTER, KY 40444-9748
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M259/206
Date	Jun 1, 2006
Book Page	M259/206
Instrument	70758

Lender

Name	AMERICAN HOME MORTGAGE
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2036

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	654 PERRY ROGERS RD, LANCASTER, KY 40444-9748
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M289/679
Date	Feb 10, 2009
Book Page	M289/679
Instrument	98332

Lender

Name	TAYLOR BEAN AND WHITAKER MORTGAGE CORP
Address	34485

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2038

August 2021: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 11, 2021
Property Address	654 PERRY ROGERS RD, LANCASTER, KY 40444-9748
Document Number	00D311/246
Book / Page	D311 / 246
Map Reference	DB 266 OG 221
Instrument Date	Aug 11, 2021
Instrument	163534
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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
2026		$325,000 (-)	$360,000 (+10.77%) Land $310,000 Building $50,000
2025	$3,442.00 (+0.44%)	$325,000 (+19.49%) Land $25,000 Building $300,000	$325,000 (+19.49%) Land $25,000 Building $300,000
2024	$3,427.00 (-2.72%)	$272,000 (-) Land $22,000 Building $250,000	$272,000 (-) Land $22,000 Building $250,000
2023	$3,523.00 (-0.9%)	$272,000 (-) Land $22,000 Building $250,000	$272,000 (-) Land $22,000 Building $250,000
2022	$3,555.00	$272,000 Land $22,000 Building $250,000	$272,000 Land $22,000 Building $250,000

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

Flood

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.

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	0.04% 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)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
Windstream DSL	25 / 3

May also be available: T-Mobile.

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