654 Sutton Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 654 Sutton Ln, Lancaster, KY 40444 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	1.15 acres (50,123 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,862 (2025)
Deeds & Mortgages	Jul 2026 Sale Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`11A-01-082`

Property Details

APN / Parcel Number

Primary APN	`11A-01-082`
Alternative APN	`21781`

Interior

Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	50,123 sqft (1.15 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	21781
Street Address	654 SUTTON LN
City	LANCASTER
State	KY
Zip	40444-7310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 20 TRADEWAY
Legal Subdivision	TRADEWAY PROPERTY
Legal Tract	20
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3015
Census Tract	970102

Owner

Source: Garrard County records · APN 11A-01-082

Assessment roll updated May 5, 2026 · Last verified July 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 File
Mailing Address	2253 HIGH BRIDGE RD, LANCASTER, KY 40444-9620
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 23, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 06, 2026
Transfer Doc	0000217137
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 06, 2026
Property Address	654 SUTTON LN, LANCASTER, KY 40444-7310
Document Number	0000217137
Book / Page	337 / 869
Instrument Date	Jul 06, 2026
Instrument	2026217137
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2253 HIGH BRIDGE RD, LANCASTER, KY 40444-9620

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 23, 2020
Property Address	654 SUTTON LN, LANCASTER, KY 40444-7310
Document Number	00D302/797
Book / Page	D302 / 797
Map Reference	DB 154 PG 247
Instrument Date	Apr 23, 2020
Instrument	156831
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$220.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	654 SUTTON LN, LANCASTER, KY 40444-7310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 HERRINGTON WOODS, HARRODSBURG, KY 40330-9796

Tax Assessment & Valuation

Source: Garrard County records · Assessment roll updated May 5, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,862.00 (-1.95%) Homeowner's exemption	$230,000 (+17.95%) Land $35,000 Building $195,000	$230,000 (+17.95%) Land $35,000 Building $195,000
2024	$1,899.00 (-2.81%) Homeowner's exemption	$195,000 (-) Land $35,000 Building $160,000	$195,000 (-) Land $35,000 Building $160,000
2023	$1,954.00 (+1.35%) Homeowner's exemption	$195,000 (+5.41%) Land $35,000 Building $160,000	$195,000 (+5.41%) Land $35,000 Building $160,000
2022	$1,928.00 Homeowner's exemption	$185,000 Land $35,000 Building $150,000	$185,000 Land $35,000 Building $150,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Garrard County (21079C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210799701023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 60 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)	Low Latency
Verizon	Fixed Wireless	300 / 20	Yes
Uniti Group	DSL	100 / 20	Yes
Broadband on Demand	Fixed Wireless (unlicensed)	25 / 5	No
Starlink	Satellite (low-earth orbit)	280 / 30	Yes

May also be available at this address: Uniti Group, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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