Garrard County property record for 90 Cardinal Cir, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 1999 |
| Lot Size | 0.202 acres (8,822 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Dec 2019) |
| Tax Bill | $1,282 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Dec 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 27B-02-028 |
| Primary APN | 27B-02-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,822 sqft (0.202 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 21712 |
|---|---|
| Street Address | 90 CARDINAL CIR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 28 |
| Legal Subdivision | QUAIL RUN |
| Legal Lot Number | 28 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 970300 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4008 RIVERSIDE DR, DANVILLE, KY 40422-8604 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| Dec 30, 2019 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2019 · Amount on Record |
| Deed Sale | Dec 30, 2019 · Amount on Record |
| Deed Document Number | 2019155573 |
| Deed Book / Page | 301 / 526 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 90 CARDINAL CIR, LANCASTER, KY 40444-7043 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00M464/638 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | M464/638 |
| Instrument | 201025 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 30, 2019 |
| Property Address | 90 CARDINAL CIR, LANCASTER, KY 40444-7043 |
| Document Number | 00D301/526 |
| Book / Page | D301 / 526 |
| Map Reference | DB 245 PG 719 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 155573 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $115.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 CARDINAL CIR, 10, LANCASTER, KY 40444-7043 |
| Name | Verified Name |
|---|---|
| Address | 4008 RIVERSIDE DR, DANVILLE, KY 40422-8604 |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Municipality | Lancaster City |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $115,000 (-) Land $25,000 Building $90,000 | $115,000 (-) Land $25,000 Building $90,000 | |
| 2025 | $1,282.00 (-0.47%) | $115,000 (-) Land $25,000 Building $90,000 | $115,000 (-) Land $25,000 Building $90,000 |
| 2024 | $1,288.00 (-2.57%) | $115,000 (-) Land $25,000 Building $90,000 | $115,000 (-) Land $25,000 Building $90,000 |
| 2023 | $1,322.00 (-0.9%) | $115,000 (-) Land $25,000 Building $90,000 | $115,000 (-) Land $25,000 Building $90,000 |
| 2022 | $1,334.00 | $115,000 Land $25,000 Building $90,000 | $115,000 Land $25,000 Building $90,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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