Garrard County property record for 746 Tuggle Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · built 1978 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,213 (2025) |
| Deeds & Mortgages | Apr 2006 Line of Credit Sep 2006 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-032 |
| Primary APN | 10-032 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 47,916 sqft (1.1 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 21120 |
|---|---|
| Street Address | 746 TUGGLE RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.1 AC |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970101 |
746 Tuggle Rd is owned and occupied by two individuals.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 746 TUGGLE RD, LANCASTER, KY 40444-7825 |
| 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.
| Date | Document |
|---|---|
| Apr 7, 2006 | Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK |
| Sep 11, 2006 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY BANK |
| Oct 12, 2006 | Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK |
| Jun 14, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 746 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M256/937 |
|---|---|
| Date | Apr 7, 2006 |
| Book Page | M256/937 |
| Instrument | 69973 |
| Name | NATIONAL CITY BANK |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 746 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 746 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 00M263/882 |
|---|---|
| Date | Sep 11, 2006 |
| Book Page | M263/882 |
| Instrument | 74707 |
| Name | NATIONAL CITY BANK |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 143 Months |
| Due | Aug 14, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 746 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 746 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 000M265/84 |
|---|---|
| Date | Oct 12, 2006 |
| Book Page | M265/84 |
| Instrument | 76352 |
| Name | NATIONAL CITY BANK |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 14, 2019 |
| Property Address | 746 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 00D298/724 |
| Book / Page | D298 / 724 |
| Map Reference | DB 165 PG 114 |
| Instrument Date | Jun 12, 2019 |
| Instrument | 150760 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $210.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 746 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 374, LANCASTER, KY 40444-0374 |
The 2025 property tax bill for 746 Tuggle Rd was $2,213 with a homeowner's exemption, down 0.4% 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 | $215,000 (-) Land $30,000 Building $185,000 | $215,000 (-) Land $30,000 Building $185,000 | |
| 2025 | $2,213.00 (-0.45%) | $215,000 (-) Land $30,000 Building $185,000 | $215,000 (-) Land $30,000 Building $185,000 |
| 2024 | $2,223.00 (-2.84%) | $215,000 (-) Land $30,000 Building $185,000 | $215,000 (-) Land $30,000 Building $185,000 |
| 2023 | $2,288.00 (+1.42%) | $215,000 (+2.38%) Land $30,000 Building $185,000 | $215,000 (+2.38%) Land $30,000 Building $185,000 |
| 2022 | $2,256.00 | $210,000 Land $30,000 Building $180,000 | $210,000 Land $30,000 Building $180,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 746 Tuggle Rd 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 746 Tuggle Rd 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.
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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| kywimax Fixed Wireless · not low latency | 25 / 5 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures