Garrard County property record for 705 Richmond Road Loop 1, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 1949 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Apr 2026) |
| Tax Bill | $741 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34A-04-017 |
| Primary APN | 34A-04-017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Type | Detached |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 5408 |
|---|---|
| Street Address | 705 RICHMOND ROAD LOOP 1 |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7296 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970201 |
705 Richmond Road Loop 1 is owned and occupied by an individual who bought it in April 2026.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 705 RICHMOND ROAD LOOP 1, LANCASTER, KY 40444-7296 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2026 · Amount on File |
| Deed Sale | Apr 3, 2026 · Amount on File |
| Deed Document Number | 2026213487 |
| Deed Book / Page | 336 / 490 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 3, 2026 |
| Property Address | 705 RICHMOND ROAD LOOP 1, LANCASTER, KY 40444-7296 |
| Document Number | 0000213487 |
| Book / Page | 336 / 490 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 2026213487 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | TRUE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23,735.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 705 RICHMOND ROAD LOOP 1, LANCASTER, KY 40444-7296 |
| Document Number | 0000213492, |
|---|---|
| Date | Apr 3, 2026 |
| Instrument | 2026213492 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 705 Richmond Road Loop 1 was $741, down 0.5% from the year before.
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 | $198,000 (+182.86%) Land $25,000 Building $173,000 | $198,000 (+182.86%) Land $25,000 Building $173,000 | |
| 2025 | $741.00 (-0.54%) | $70,000 (-) Land $20,000 Building $50,000 | $70,000 (-) Land $20,000 Building $50,000 |
| 2024 | $745.00 (+4.78%) | $70,000 (+7.69%) Land $20,000 Building $50,000 | $70,000 (+7.69%) Land $20,000 Building $50,000 |
| 2023 | $711.00 (-0.84%) | $65,000 (-) Land $20,000 Building $45,000 | $65,000 (-) Land $20,000 Building $45,000 |
| 2022 | $717.00 | $65,000 Land $20,000 Building $45,000 | $65,000 Land $20,000 Building $45,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 705 Richmond Road Loop 1 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 | 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 risk around 705 Richmond Road Loop 1 is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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