Garrard County property record for 986 Richmond Road Loop 2, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acres (43,647 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,271 (2025) |
| Deeds & Mortgages | May 2014 Mortgage Aug 2010 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-81.02 |
| Primary APN | 43-81.02 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Exterior Material | Stone |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,647 sqft (1 acres) |
| Garage Type | Attached |
| Sewer | Connected |
|---|
| Account Number | 9501 |
|---|---|
| Street Address | 986 RICHMOND ROAD LOOP 2 |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7286 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1.002 AC |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 970202 |
986 Richmond Road Loop 2 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 | 986 RICHMOND ROAD LOOP 2, LANCASTER, KY 40444-7286 |
| 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.
| Date | Document |
|---|---|
| May 16, 2014 | Deed of Trust, Mortgage MORTGAGE SUPPLIERS INC. |
| Aug 18, 2010 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SUPPLIERS INC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 986 RICHMOND ROAD LOOP 2, LANCASTER, KY 40444-7286 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Title Company | TITLE SUPPLIERS LLC, TITLE SUPPLIERS |
| Name | Verified Name |
|---|
| Document Number | 000331/945 |
|---|---|
| Date | May 16, 2014 |
| Book Page | 331/945 |
| Instrument | 120636 |
| Name | MORTGAGE SUPPLIERS INC. |
|---|---|
| Address | WINCHESTER, KY 40391 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jun 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 986 RICHMOND ROAD LOOP 2, LANCASTER, KY 40444-7286 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M300/898 |
|---|---|
| Date | Aug 18, 2010 |
| Book Page | M300/898 |
| Instrument | 105306 |
| Name | MORTGAGE SUPPLIERS INC |
|---|---|
| Address | WINCHESTER, KY 40391 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2040 |
The 2025 property tax bill for 986 Richmond Road Loop 2 was $1,271, up 13.8% from the year before.
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 | $120,000 (-) Land $30,000 Building $90,000 | $120,000 (-) Land $30,000 Building $90,000 | |
| 2025 | $1,271.00 (+13.79%) | $120,000 (+14.29%) Land $30,000 Building $90,000 | $120,000 (+14.29%) Land $30,000 Building $90,000 |
| 2024 | $1,117.00 (-2.79%) | $105,000 (-) Land $20,000 Building $85,000 | $105,000 (-) Land $20,000 Building $85,000 |
| 2023 | $1,149.00 (-0.86%) | $105,000 (-) Land $20,000 Building $85,000 | $105,000 (-) Land $20,000 Building $85,000 |
| 2022 | $1,159.00 | $105,000 Land $20,000 Building $85,000 | $105,000 Land $20,000 Building $85,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 986 Richmond Road Loop 2 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 risk around 986 Richmond Road Loop 2 is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
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