Garrard County property record for 792 Tuggle Rd, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2006 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Sep 2025) |
| Tax Bill | $2,676 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-033.27 |
| Primary APN | 10-033.27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Logs |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 56,628 sqft (1.3 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 25115 |
|---|---|
| Street Address | 792 TUGGLE RD |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 27 ANGUS HOME PASTURE SUB |
| Legal Subdivision | ANGUS HOME PASTURE SUB |
| Legal Lot Number | 27 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970101 |
792 Tuggle Rd is owned and occupied by an individual who bought it in September 2025.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
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 |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR |
| Sep 4, 2025 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Aug 22, 2023 | Intrafamily Transfer, Transfer NOT AVAILABLE, FOUNDATION T&E SERIES LLC |
| Jul 20, 2021 | Deed of Distribution, Transfer FOUNDATION TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2025 · Amount on File |
| Deed Sale | Sep 4, 2025 · Amount on File |
| Prior Sale | Jul 20, 2021 · Amount on File |
| Deed Document Number | 2025198467 |
| Deed Book / Page | 333 / 638 |
| Prior Transfer Date | Aug 15, 2023 |
| Prior Transfer Doc | 00D322/574 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 13, 2026 |
| Property Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 0000215282 |
| Book / Page | 471 / 756 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026215282 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LAND GROUP TITLE |
| Name | Verified Name |
|---|---|
| Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 0000215282, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 471/756 |
| Instrument | 2026215282 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 4, 2025 |
| Property Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 00D333/638 |
| Book / Page | D333 / 638 |
| Map Reference | CAB 4 SL 162 |
| Instrument Date | Aug 22, 2025 |
| Instrument | 198467 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2025 |
| Title Company | UNKNOWN, LAND GROUP TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 285 ARTHUR CT, HARRODSBURG, KY 40330-8717 |
| Name | Verified Name |
|---|---|
| Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 0000198468 |
|---|---|
| Date | Sep 4, 2025 |
| Instrument | 198468 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Aug 22, 2023 |
| Property Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 00D322/574 |
| Book / Page | D322 / 574 |
| Map Reference | CAB 4 SL 162 |
| Instrument Date | Aug 15, 2023 |
| Instrument | 177579 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | NOT AVAILABLE, FOUNDATION T&E SERIES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 20, 2021 |
| Property Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
| Document Number | 00D310/808 |
| Book / Page | D310 / 808 |
| Map Reference | DB 249 PG 915 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 162947 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | FOUNDATION TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 138 HOCTZCRAN, LANCASTER, KY 40444 |
| Name | Verified Name |
|---|---|
| Address | 792 TUGGLE RD, LANCASTER, KY 40444-7825 |
The 2025 property tax bill for 792 Tuggle Rd was $2,676, 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 | $340,000 (+30.77%) Land $35,000 Building $305,000 | $340,000 (+30.77%) Land $35,000 Building $305,000 | |
| 2025 | $2,676.00 (-0.48%) | $260,000 (-) Land $30,000 Building $230,000 | $260,000 (-) Land $30,000 Building $230,000 |
| 2024 | $2,689.00 (+18.3%) | $260,000 (-) Land $30,000 Building $230,000 | $260,000 (-) Land $30,000 Building $230,000 |
| 2023 | $2,273.00 (-18.62%) Disabled Person's exemption Veteran's exemption | $260,000 (-) Land $30,000 Building $230,000 | $260,000 (-) Land $30,000 Building $230,000 |
| 2022 | $2,793.00 | $260,000 Land $30,000 Building $230,000 | $260,000 Land $30,000 Building $230,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 792 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 792 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 |
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