89 Ross Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 89 Ross Rd, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	built 2024
Lot Size	37 acres (1,611,720 sqft)
Owner	Individual Name on File
Tax Bill	$411 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-56`

Property Details

APN / Parcel Number

Primary APN	`49-56`
Alternative APN	`19054`

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Metal
Lot Area	1,611,720 sqft (37 acres)

Location & Zoning

Account Number	19054
Street Address	89 ROSS RD
City	LANCASTER
State	KY
Zip	40444-8507
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	BARN & 37 AC
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1045
Census Tract	970202

Owner

89 Ross Rd, a rural home, is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	199 ROSS RD, LANCASTER, KY 40444-9728
Owner Type	Individual

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
Jun 3, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Jun 11, 2024	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Jun 3, 2026
Property Address	89 ROSS RD, LANCASTER, KY 40444-8507
Document Number	0000216042
Book / Page	472 / 789
Instrument Date	May 22, 2026
Instrument	2026216042
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 ROSS RD, LANCASTER, KY 40444-8507

Mortgage

Document Number	0000216042,
Date	Jun 3, 2026
Book Page	472/789
Instrument	2026216042

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	89 ROSS RD, LANCASTER, KY 40444-8507
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M461/311
Date	Aug 25, 2025
Book Page	M461/311
Instrument	197958

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	8%
Max Rate	12%

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	89 ROSS RD, LANCASTER, KY 40444-8507
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 ROSS RD, LANCASTER, KY 40444-9728

Mortgage

Document Number	00M446/666
Date	Jun 11, 2024
Book Page	M446/666
Instrument	185412

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 11, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 89 Ross Rd was $411, down 82.7% 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		$440,000 (+1,%)	$685,000 (+1,612.5%) Land $675,000 Building $10,000
2025	$411.00 (-82.7%)	$40,000 (-82.61%) Land $30,000 Building $10,000	$40,000 (-82.61%) Land $30,000 Building $10,000
2024	$2,376.00 (-2.82%)	$230,000 (-) Land $30,000 Building $200,000	$230,000 (-) Land $30,000 Building $200,000
2023	$2,445.00 (-0.93%)	$230,000 (-) Land $30,000 Building $200,000	$230,000 (-) Land $30,000 Building $200,000
2022	$2,468.00	$230,000 Land $30,000 Building $200,000	$230,000 Land $30,000 Building $200,000

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

Flood

FEMA maps place 89 Ross 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	4 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

Wildfire risk around 89 Ross Rd is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 73% of Kentucky
Wildfire Likelihood	0.05% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ross Rd

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