Garrard County property record for 93 Pam Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | built 1998 |
| Lot Size | 1.29 acres (56,247 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Feb 2024) |
| Tax Bill | $823 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-12.21 |
| Primary APN | 09-12.21 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 56,247 sqft (1.29 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 25503 |
|---|---|
| Street Address | 93 PAM DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 |
| Legal Subdivision | BO LANE |
| Legal Lot Number | 19 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 970101 |
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 | 93 PAM DR, LANCASTER, KY 40444-8919 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE |
| Feb 5, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 2024 · Amount on Record |
| Deed Sale | Feb 5, 2024 · Amount on Record |
| Deed Document Number | 2024181911 |
| Deed Book / Page | 325 / 1 |
| Prior Transfer Date | Jan 26, 2024 |
| Prior Transfer Doc | 0000D325/1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 14, 2026 |
| Property Address | 93 PAM DR, LANCASTER, KY 40444-8919 |
| Document Number | 0000217980 |
| Book / Page | 474 / 600 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 2026217980 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 93 PAM DR, LANCASTER, KY 40444-8919 |
| Document Number | 0000217980, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 474/600 |
| Instrument | 2026217980 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 1, 2051 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Feb 5, 2024 |
| Property Address | 93 PAM DR, LANCASTER, KY 40444-8919 |
| Document Number | 0000D325/1 |
| Book / Page | D325 / 1 |
| Map Reference | CAB 2 SL 512 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 181911 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 93 PAM DR, LANCASTER, KY 40444-8919 |
| Name | Verified Name |
|---|---|
| Address | 93 PAM DR, LANCASTER, KY 40444-8919 |
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 | $80,000 (-) Land $15,000 Building $65,000 | $80,000 (-) Land $15,000 Building $65,000 | |
| 2025 | $823.00 (+136.49%) Disabled Person's exemption | $80,000 (-) Land $15,000 Building $65,000 | $80,000 (-) Land $15,000 Building $65,000 |
| 2024 | $348.00 (-56.06%) Disabled Person's exemption | $80,000 (-) Land $15,000 Building $65,000 | $80,000 (-) Land $15,000 Building $65,000 |
| 2023 | $792.00 (-0.88%) Disabled Person's exemption | $80,000 (+7.38%) Land $15,000 Building $65,000 | $80,000 (+7.38%) Land $15,000 Building $65,000 |
| 2022 | $799.00 Disabled Person's exemption | $74,500 Land $74,500 | $74,500 Land $74,500 |
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 · 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 |
| Nearby Flood Claims | 11 (2021–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
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.
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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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