Garrard County property record for 763 Bowmans Bottom Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | built 2018 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,080 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan May 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-03.08 |
| Primary APN | 02-03.08 |
|---|---|
| Alternative APN |
|
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 18609 |
|---|---|
| Street Address | 763 BOWMANS BOTTOM RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7372 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & 1 AC PC 005-286 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 970101 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 763 BOWMANS BOTTOM RD, LANCASTER, KY 40444-7372 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 24, 2026 | Deed of Trust, Mortgage · Construction Mortgage FARMERS NATIONAL BANK/DANVILLE KY |
| May 12, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 11, 2026 |
| Transfer Doc | 0000215115 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 24, 2026 |
| Property Address | 763 BOWMANS BOTTOM RD, LANCASTER, KY 40444-7372 |
| Document Number | 0000216873 |
| Book / Page | 473 / 864 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 2026216873 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 763 BOWMANS BOTTOM RD, LANCASTER, KY 40444-7372 |
| Document Number | 0000216873, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 473/864 |
| Instrument | 2026216873 |
| Name | FARMERS NATIONAL BANK/DANVILLE KY |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jun 12, 2057 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 12, 2026 |
| Property Address | 763 BOWMANS BOTTOM RD, LANCASTER, KY 40444-7372 |
| Document Number | 0000215115 |
| Book / Page | 337 / 22 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026215115 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 763 BOWMANS BOTTOM RD, LANCASTER, KY 40444-7372 |
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 | $105,000 (-) Land $20,000 Building $85,000 | $105,000 (-) Land $20,000 Building $85,000 | |
| 2025 | $1,080.00 (-0.55%) | $105,000 (-) Land $20,000 Building $85,000 | $105,000 (-) Land $20,000 Building $85,000 |
| 2024 | $1,086.00 (-2.78%) | $105,000 (-) Land $20,000 Building $85,000 | $105,000 (-) Land $20,000 Building $85,000 |
| 2023 | $1,117.00 (+4%) | $105,000 (+5%) Land $20,000 Building $85,000 | $105,000 (+5%) Land $20,000 Building $85,000 |
| 2022 | $1,074.00 | $100,000 Land $15,000 Building $85,000 | $100,000 Land $15,000 Building $85,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 | 0.02% 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| kywimax Fixed Wireless · not low latency | 25 / 5 |
| Windstream DSL | 25 / 3 |
| All Points Broadband Fixed Wireless | 10 / 1 |
5G (outdoors only) and 4G LTE
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