75 White Way, Lancaster, KY 40444 Property Records

Garrard County property record for 75 White Way, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Lot Size	0.409 acres (17,816 sqft)
Owner	Trust Name on File
Last Sale	$386,500 (Aug 2023)
Tax Bill	$211 (2025)
Deeds & Mortgages	May 2025 Construction Loan May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-44`

Property Details

APN / Parcel Number

Primary APN	`25-44`
Alternative APNs	`23144` `25134`

Interior

Stories	1 Story

Exterior

Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	17,816 sqft (0.409 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	25134
Street Address	75 WHITE WAY
City	LANCASTER
State	KY
Zip	40444-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.409 AC +0.591 AC = TRACT 1-A
Legal Tract	1
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1027
Census Tract	970201

Owner

75 White Way is held in a trust since August 2023.

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

Owner of Record	Trust Name on File
Mailing Address	302 DANVILLE ST, LANCASTER, KY 40444-1031
Owner Type	Company
Vesting	Trust, Family Trust

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
May 12, 2025	Deed of Trust, Mortgage · Construction Mortgage WHITAKER BANK INC
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Sep 1, 2023	Deed, Transfer
May 24, 2021	Intrafamily Transfer, Transfer
Mar 22, 2013	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2023 · Amount on File
Deed Sale	Aug 9, 2023 · Amount on File
Prior Sale	Aug 3, 2022 · Amount on File
Deed Document Number	2023177425
Deed Book / Page	41 / 212
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	75 WHITE WAY, LANCASTER, KY 40444-8136
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 DANVILLE ST, LANCASTER, KY 40444-1031

Mortgage

Document Number	00M457/808
Date	May 12, 2025
Book Page	M457/808
Instrument	194720

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 8, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	May 12, 2026
Property Address	75 WHITE WAY, LANCASTER, KY 40444-8136
Document Number	0000215123
Book / Page	471 / 483
Instrument Date	May 6, 2026
Instrument	2026215123
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 WHITE WAY, LANCASTER, KY 40444-8136
Investor	Possibly a Property Investor

Mortgage

Document Number	0000215123,
Date	May 12, 2026
Book Page	471/483
Instrument	2026215123

Lender

Name	WHITAKER BANK INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 1, 2023
Property Address	75 WHITE WAY, LANCASTER, KY 40444-8136
Document Number	00D322/782
Book / Page	D322 / 782
Map Reference	CAB 5 PG 10
Instrument Date	Aug 30, 2023
Instrument	177777
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$15.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	493 CARDINAL CIR, LANCASTER, KY 40444-7047

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2470 E VAUGHN AVE, GILBERT, AZ 85234-1312
Mail Care Of	TODD AND POLLY JOHNSON FAMILY TRUST
Investor	Possibly a Property Investor

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARRARD KY
Recording Date	May 24, 2021
Property Address	75 WHITE WAY, LANCASTER, KY 40444-8136
Document Number	00D309/787
Book / Page	D309 / 787
Map Reference	DB 183 PG 191
Instrument Date	May 24, 2021
Instrument	162053
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	177 SOUTHWAY DR, LANCASTER, KY 40444-9776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 WHITE WAY, LANCASTER, KY 40444-8136

March 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Mar 22, 2013
Property Address	75 WHITE WAY, LANCASTER, KY 40444-8136
Document Number	000269/883
Book / Page	269 / 883
Instrument	115841
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$14.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1233 KEMPER LN, LANCASTER, KY 40444-9565

Tax Assessment & Valuation

The 2025 property tax bill for 75 White Way was $211, 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		$50,000 (+15%) Land $50,000	$50,000 (+15%) Land $50,000
2025	$211.00 (-0.47%)	$20,000 (-) Land $20,000	$20,000 (-) Land $20,000
2024	$212.00 (-44.65%)	$20,000 (-42.86%) Land $20,000	$20,000 (-42.86%) Land $20,000
2023	$383.00 (-0.78%)	$35,000 (-) Land $35,000	$35,000 (-) Land $35,000
2022	$386.00	$35,000 Land $35,000	$35,000 Land $35,000

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 75 White Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 75 White Way 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.

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Windstream DSL	10 / 1

May also be available: kywimax, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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