945 Perkins Ln, Lancaster, KY 40444 Property Records

Garrard County property record for 945 Perkins Ln, Lancaster, KY 40444

Property Summary

Property Type	Mobile Home
Lot Size	1.32 acres (57,922 sqft)
Owner	Individual Name on File
Tax Bill	$582 (2025)
Deeds & Mortgages	May 2014 Mortgage Mar 2019 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`44-20`

Property Details

APN / Parcel Number

Primary APN	`44-20`
Alternative APNs	`12891` `25988`

Interior

Stories	1 Story

Exterior

Architectural Style	Mobile/Manufactured
Exterior Material	Other
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	57,922 sqft (1.32 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	25988
Street Address	945 PERKINS LN
City	LANCASTER
State	KY
Zip	40444-9765
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	TR 14 1.164
Legal Subdivision	H N GAFFNEY EST
Legal Tract	14
Jurisdiction	GARRARD KY
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2024
Census Tract	970300

Owner

945 Perkins Ln, a mobile home, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	945 PERKINS LN, LANCASTER, KY 40444-9765
Occupancy	Owner Occupied
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
May 7, 2014	Deed of Trust, Mortgage WHITAKER BANK, INC.
Mar 5, 2019	Commissioner's Deed, Foreclosure Foreclosure Auction
Jul 8, 2016	Deed, Transfer
May 23, 2005	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	945 PERKINS LN, LANCASTER, KY 40444-9765
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 PERKINS LN, LANCASTER, KY 40444-9765

Mortgage

Document Number	000331/731
Date	May 7, 2014
Book Page	331/731
Instrument	120539

Lender

Name	WHITAKER BANK, INC.
Address	LANCASTER, KY 40444

Agreement

Amount	Amount on Record
Term	120 Months
Due	May 5, 2024

March 2019: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	GARRARD KY
Recording Date	Mar 5, 2019
Property Address	945 PERKINS LN, LANCASTER, KY 40444-9765
Document Number	00D297/340
Book / Page	D297 / 340
Map Reference	DB 284 PG 357
Instrument Date	Mar 4, 2019
Instrument	145999
Transaction Type	Foreclosure
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	670 RICHMOND RD, LANCASTER, KY 40444-9702
Investor	Possibly a Property Investor

July 2016: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 8, 2016
Property Address	945 PERKINS LN, LANCASTER, KY 40444-9765
Document Number	000284/359
Book / Page	284 / 359
Instrument Date	Jun 29, 2016
Instrument	130461
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	351 LEE DR, STANFORD, KY 40484-1031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 PERKINS LN, LANCASTER, KY 40444-9765
Investor	Possibly a Property Investor

May 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	May 23, 2005
Property Address	945 PERKINS LN, LANCASTER, KY 40444-9765
Document Number	000232/219
Book / Page	232 / 219
Instrument	61459
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	917 PERKINS LN, LANCASTER, KY 40444-9765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 PERKINS LN, LANCASTER, KY 40444-9765

Tax Assessment & Valuation

The 2025 property tax bill for 945 Perkins Ln was $582, up 174.5% 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		$55,000 (-) Land $20,000 Building $35,000	$55,000 (-) Land $20,000 Building $35,000
2025	$582.00 (+174.53%)	$55,000 (+175%) Land $20,000 Building $35,000	$55,000 (+175%) Land $20,000 Building $35,000
2024	$212.00 (-2.75%)	$20,000 (-) Land $10,000 Building $10,000	$20,000 (-) Land $10,000 Building $10,000
2023	$218.00 (-0.91%)	$20,000 (-) Land $10,000 Building $10,000	$20,000 (-) Land $10,000 Building $10,000
2022	$220.00	$20,000 Land $10,000 Building $10,000	$20,000 Land $10,000 Building $10,000

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

Flood

FEMA maps place 945 Perkins Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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	1 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2015 · rainfall accumulation

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 945 Perkins Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% 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.

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Perkins Ln

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