92 Ross Rd, Lancaster, KY 40444 Property Records

Garrard County property record for 92 Ross Rd, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Lot Size	21.4 acres (936,104 sqft)
Owner	2 Individual Names on File
Last Sale	$74,000 (Mar 2020)
Tax Bill	$452 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`55-10`

Property Details

APN / Parcel Number

Primary APN	`55-10`
Alternative APN	`19723`

Interior

Stories	1 Story

Exterior

Exterior Material	Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	936,104 sqft (21.4 acres)

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Wood
Sewer	Connected

Location & Zoning

Account Number	19723
Street Address	92 ROSS RD
City	LANCASTER
State	KY
Zip	40444-8507
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1045
Census Tract	970202

Owner

92 Ross Rd, a rural home, is owned by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1382 NINA RIDGE RD, LANCASTER, KY 40444-8675
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
Apr 2, 2026	Deed of Trust, Mortgage · Construction Mortgage FARM CREDIT SERVICES MID-AMERICA
Mar 13, 2020	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2020 · Amount on File
Deed Sale	Mar 13, 2020 · Amount on File
Deed Document Number	2020156428
Deed Book / Page	302 / 382
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	Apr 2, 2026
Property Address	92 ROSS RD, LANCASTER, KY 40444-8507
Document Number	0000213441
Book / Page	469 / 865
Instrument Date	Mar 24, 2026
Instrument	2026213441
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1382 NINA RIDGE RD, LANCASTER, KY 40444-8675

Mortgage

Document Number	0000213441,
Date	Apr 2, 2026
Book Page	469/865
Instrument	2026213441

Lender

Name	FARM CREDIT SERVICES MID-AMERICA

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2051

Interest

Rate	5.98%
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Mar 13, 2020
Property Address	92 ROSS RD, LANCASTER, KY 40444-8507
Document Number	00D302/382
Book / Page	D302 / 382
Map Reference	DB 172 PG 457
Instrument Date	Mar 11, 2020
Instrument	156428
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 SAMUEL ROSS CT, RICHMOND, KY 40475-3047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1382 NINA RIDGE RD, LANCASTER, KY 40444-8675

Tax Assessment & Valuation

The 2025 property tax bill for 92 Ross Rd was $452, down 0.4% 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		$105,000 (+138.64%)	$195,000 (+343.18%) Land $190,000 Building $5,000
2025	$452.00 (-0.44%)	$44,000 (-) Land $10,000 Building $34,000	$44,000 (-) Land $10,000 Building $34,000
2024	$454.00 (-2.78%)	$44,000 (-) Land $10,000 Building $34,000	$44,000 (-) Land $10,000 Building $34,000
2023	$467.00 (-1.06%)	$44,000 (-) Land $10,000 Building $34,000	$44,000 (-) Land $10,000 Building $34,000
2022	$472.00	$44,000 Land $10,000 Building $34,000	$44,000 Land $10,000 Building $34,000

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

Flood

FEMA maps place 92 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 92 Ross Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% 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 only, no 5G reported

Nearby Properties on Ross Rd

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