810 Cleo Ave, Lancaster, KY 40444 Property Records

Garrard County property record for 810 Cleo Ave, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba
Lot Size	1.74 acres (75,794 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,500 (May 2025)
Tax Bill	$2,007 (2025)
Deeds & Mortgages	Dec 2012 Mortgage Jun 2014 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-25.107`

Property Details

APN / Parcel Number

Primary APN	`12-25.107`
Alternative APN	`17733`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	75,794 sqft (1.74 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	17733
Street Address	810 CLEO AVE
City	LANCASTER
State	KY
Zip	40444-7173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 74 & HOUSE
Legal Subdivision	CAMP DICK ACRES
Legal Lot Number	74
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	2
Census Block	2024
Census Tract	970102

Owner

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	810 CLEO AVE, LANCASTER, KY 40444-7173
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2012	Deed of Trust, Mortgage · Negative Amortization U.S. BANK NATIONAL ASSOCIATION ND
Jun 2, 2014	Deed of Trust, Mortgage · Conventional Mortgage U.S. BANK NATIONAL ASSOCIATION
May 22, 2025	Warranty Deed, Transfer · VA Mortgage GOPRIME MORTGAGE INC
Aug 4, 2015	Deed, Transfer BLUEGRASS LAND TITLE, BLUE GRASS LAND TITLE
May 18, 2007	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2025 · Amount on Record
Deed Sale	May 22, 2025 · Amount on Record
Prior Sale	Aug 4, 2015 · Amount on Record
Deed Document Number	2025195059
Deed Book / Page	332 / 83
Record Updated	Oct 29, 2026

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	810 CLEO AVE, LANCASTER, KY 40444-7173
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000319/849
Date	Dec 3, 2012
Book Page	319/849
Instrument	114476

Lender

Name	U.S. BANK NATIONAL ASSOCIATION ND

Agreement

Type	Negative Amortization
Amount	Amount Recorded
Term	239 Months
Due	Nov 10, 2032

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	810 CLEO AVE, LANCASTER, KY 40444-7173
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000332/242
Date	Jun 2, 2014
Book Page	332/242
Instrument	120760

Lender

Name	U.S. BANK NATIONAL ASSOCIATION
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	May 9, 2024

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	May 22, 2025
Property Address	810 CLEO AVE, LANCASTER, KY 40444-7173
Document Number	000D332/83
Book / Page	D332 / 83
Map Reference	CAB 4 PG 50
Instrument Date	Apr 25, 2025
Instrument	195059
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$323.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	637 PHELPS ACRES RD, JAMESTOWN, KY 42629-6669

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	810 CLEO AVE, LANCASTER, KY 40444-7173

Mortgage

Document Number	0000195062
Date	May 22, 2025
Instrument	195062

Lender

Name	GOPRIME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

August 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 4, 2015
Property Address	810 CLEO AVE, LANCASTER, KY 40444-7173
Document Number	00D279/921
Book / Page	D279 / 921
Map Reference	PL CAB 4 SL 80
Instrument Date	Jul 31, 2015
Instrument	126276
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUE GRASS LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$176.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	432 MEADOW LN, DANVILLE, KY 40422-1761

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	810 CLEO AVE, LANCASTER, KY 40444-7173

May 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	May 18, 2007
Property Address	810 CLEO AVE, LANCASTER, KY 40444-7173
Document Number	00D244/617
Book / Page	D244 / 617
Instrument Date	May 8, 2007
Instrument	88209
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$30.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 PINE CREST RD, LANCASTER, KY 40444-6704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 S CAMPBELL ST, LANCASTER, KY 40444-1209

Tax Assessment & Valuation

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		$323,500 (+65.9%) Land $35,000 Building $288,500	$323,500 (+65.9%) Land $35,000 Building $288,500
2025	$2,007.00 (-0.45%)	$195,000 (-) Land $30,000 Building $165,000	$195,000 (-) Land $30,000 Building $165,000
2024	$2,016.00 (-2.84%)	$195,000 (-) Land $30,000 Building $165,000	$195,000 (-) Land $30,000 Building $165,000
2023	$2,075.00 (+1.67%)	$195,000 (+2.63%) Land $30,000 Building $165,000	$195,000 (+2.63%) Land $30,000 Building $165,000
2022	$2,041.00	$190,000 Land $30,000 Building $160,000	$190,000 Land $30,000 Building $160,000

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

Flood

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	2 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

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.

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 30 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	100 / 20
kywimax Fixed Wireless · not low latency	25 / 5

May also be available: AT&T.

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