76 Woodspoint Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 76 Woodspoint Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Lot Size	1.01 acres (44,257 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (Aug 2026)
Tax Bill	$4,620 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-63.35`

Property Details

APN / Parcel Number

Primary APN	`09-63.35`
Alternative APN	`23563`

Exterior

Lot Area	44,257 sqft (1.01 acres)

Location & Zoning

Account Number	23563
Street Address	76 WOODSPOINT DR
City	LANCASTER
State	KY
Zip	40444-6520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 PC3-280 1.016 AC
Legal Subdivision	WOODSPRINGS SUB
Legal Lot Number	25
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2032
Census Tract	970101

Owner

76 Woodspoint Dr is owned and occupied by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	76 WOODSPOINT DR, LANCASTER, KY 40444-6520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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 17, 2026	Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit METRO EMPLOYEES CU INC
Apr 21, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Apr 21, 2021 · Amount on File
Deed Document Number	2026220747
Deed Book / Page	338 / 642
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 17, 2026
Property Address	76 WOODSPOINT DR, LANCASTER, KY 40444-6520
Document Number	0000220747
Book / Page	338 / 642
Instrument Date	Aug 14, 2026
Instrument	2026220747
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	TITLE SERVICES, JEM TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62,115.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	76 WOODSPOINT DR, LANCASTER, KY 40444-6520

Mortgage

Document Number	0000220748,
Date	Aug 17, 2026
Instrument	2026220748

Lender

Name	CITY NATIONAL BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.39%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	76 WOODSPOINT DR, LANCASTER, KY 40444-6520
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000M464/39
Date	Oct 20, 2025
Book Page	M464/39
Instrument	200470

Lender

Name	METRO EMPLOYEES CU INC
Type	Credit Union
Address	LEXINGTON, KY 40504

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 19, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 21, 2021
Property Address	76 WOODSPOINT DR, LANCASTER, KY 40444-6520
Document Number	00D309/149
Book / Page	D309 / 149
Instrument Date	Apr 19, 2021
Instrument	161537
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$2.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 PALISADES PT, LANCASTER, KY 40444-6522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 CLARE ST, PATASKALA, OH 43062-7021

Tax Assessment & Valuation

The 2025 property tax bill for 76 Woodspoint Dr was $4,620, 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		$435,000 (-) Land $35,000 Building $400,000	$435,000 (-) Land $35,000 Building $400,000
2025	$4,620.00 (-0.47%)	$435,000 (-) Land $35,000 Building $400,000	$435,000 (-) Land $35,000 Building $400,000
2024	$4,642.00 (-2.72%)	$435,000 (-) Land $35,000 Building $400,000	$435,000 (-) Land $35,000 Building $400,000
2023	$4,772.00 (-0.91%)	$435,000 (-) Land $35,000 Building $400,000	$435,000 (-) Land $35,000 Building $400,000
2022	$4,816.00	$435,000 Land $35,000 Building $400,000	$435,000 Land $35,000 Building $400,000

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

Flood

FEMA maps place 76 Woodspoint Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2021.

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	4 in force
Nearby Flood Claims	11 (2021–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Straight-line Winds, Flooding, And Landslides, Feb 2025 · 2 claims

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 76 Woodspoint Dr is low, with a 0.01% 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	0.01% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	200 / 20
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: All Points Broadband, AT&T, T-Mobile.

Nearby Properties on Woodspoint Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures