672 Locust Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 672 Locust Ln, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · built 1986
Lot Size	76.6 acres (3,336,696 sqft)
Owner	Company Name on File
Last Sale	$300,000 (Aug 2026)
Tax Bill	$635 (2025)
Deeds & Mortgages	Aug 2026 Sale & Construction Loan Jul 2013 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-21`

Property Details

APN / Parcel Number

Primary APN	`21-21`
Alternative APN	`16323`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Other
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,336,696 sqft (76.6 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	16323
Street Address	672 LOCUST LN
City	LANCASTER
State	KY
Zip	40444-7702
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2029
Census Tract	970102

Owner

672 Locust Ln, a rural home, is owned by a company that bought it in August 2026.

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

Owner of Record	Company Name on File
Mailing Address	118 PLEASANT VALLEY DR, LANCASTER, KY 40444-9487
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
Aug 25, 2026	Deed, Transfer · Construction Mortgage FIRST SOUTHERN NATIONAL BANK
Jul 1, 2013	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2026 · Amount on File
Deed Sale	Aug 25, 2026 · Amount on File
Prior Sale	Jul 1, 2013 · Amount on File
Deed Document Number	2026221051
Deed Book / Page	338 / 840
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 25, 2026
Property Address	672 LOCUST LN, LANCASTER, KY 40444-7702
Document Number	0000221051
Book / Page	338 / 840
Instrument Date	Aug 21, 2026
Instrument	2026221051
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	118 PLEASANT VALLEY DR, LANCASTER, KY 40444-9487

Mortgage

Document Number	0000221052,
Date	Aug 25, 2026
Instrument	2026221052

Lender

Name	FIRST SOUTHERN NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 21, 2041

Interest

Max Rate	-1%

July 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 1, 2013
Property Address	672 LOCUST LN, LANCASTER, KY 40444-7702
Document Number	0000271/96
Book / Page	271 / 96
Instrument	117033
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	344 GABBARDTOWN RD, BEREA, KY 40403-2183

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1405 MEGANWOOD CIR, LEXINGTON, KY 40502-3543
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 672 Locust Ln was $635, down 0.5% 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		$60,000 (-)	$334,000 (+456.67%) Land $334,000
2025	$635.00 (-0.47%)	$60,000 (-) Land $30,000 Building $30,000	$60,000 (-) Land $30,000 Building $30,000
2024	$638.00 (-2.74%)	$60,000 (-) Land $30,000 Building $30,000	$60,000 (-) Land $30,000 Building $30,000
2023	$656.00 (-0.91%)	$60,000 (-) Land $30,000 Building $30,000	$60,000 (-) Land $30,000 Building $30,000
2022	$662.00	$60,000 Land $30,000 Building $30,000	$60,000 Land $30,000 Building $30,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 672 Locust Ln in Zone X, an area of minimal flood risk.

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	2 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 672 Locust Ln 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 80% of the US · lower than 63% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Locust Ln

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