Garrard County, KY Property Records
Property records in Garrard, Kentucky include deeds, mortgages, plats, parcel information, ownership history, legal descriptions, assessed values, property tax details, and recorded transfers. These records are useful for confirming ownership, researching a property’s history, reviewing tax assessments, preparing real estate transactions, and supporting legal or estate matters.
Users can access official Garrard property records through the Garrard County Clerk’s office for recorded land documents such as deeds and liens, and through the Garrard County Property Valuation Administrator (PVA) for parcel and assessment information. For assessment-related details and property lookup resources, visit the Garrard County PVA’s official property records.
Garrard County, KY Property Records & Statistics
Garrard County has a median rent of $844, above the Kentucky median of $717.50 and just above the national median of $840.25. Renter-occupied housing accounts for 20.16% of homes, lower than the state figure of 22.74% and the national figure of 21.81%, so owner-occupied homes make up most of the market.
The median home value is $165,550, well above the state median of $128,000 and a little under the national median of $173,750. The median property tax rate of 0.79% is higher than the state rate of 0.72% and the national rate of 0.74%, so homeowners pay a somewhat larger share of value in taxes than the average Kentucky owner.
Incomes are strong relative to the state. The median household income is $63,718, compared with $51,617.25 in Kentucky and $65,108 nationally. The unemployment rate of 2.73% is below the state rate of 2.94% and the national rate of 2.87%, indicating healthy local employment.
In sum, Garrard County is a higher-value, owner-focused market with above-average rents and tax rate, supported by incomes close to the national level and low unemployment.
Median Rent
Median Property Tax Rate
Median Home Value
Median Income
Unemployment Rate
Renter Occupied Housing
Property Records, Assessments, and Valuations in Garrard
Garrard County property records cover tax assessments, recorded deeds and mortgages, property valuations, and foreclosure filings. The county has 11,581 total parcels, including 8,411 residential and 434 commercial parcels, with tax records covering 91.15% of the population for the 2024 assessment year. Recorded documents include 15,163 deeds and 7,683 mortgages, and valuation data is available for 5,829 properties.
| Key Data | Details |
|---|---|
| Total Parcels | 11,581 |
| Residential Parcels | 8,411 |
| Commercial Parcels | 434 |
| Tax Record Coverage | 91.15% |
| Assessment Year | 2024 |
| Deed Records | 15,163 |
| Mortgage Records | 7,683 |
| Properties with Valuation Data | 5,829 |
| Latest Valuation Update | August 19, 2025 |
| Notice of Sale Records | 2 |
Assignment and Release Records
Assignment and release records show what happens to a mortgage after it is recorded. An assignment documents the transfer of a mortgage between lenders, while a release shows that the loan was satisfied and the lien removed.
Garrard County has 4,189 assignment and release records available. They include 287 assignment documents recorded from December 8, 2020, through August 29, 2025, and 3,895 release documents recorded from January 16, 2008, through August 29, 2025, along with 7 other documents.
These records let owners, buyers, and title researchers confirm that earlier mortgages were paid off, trace loans between lenders, and find liens that might remain before a sale or refinance. Look them up through the Garrard County official records search.
How to Search Garrard County, KY Property Records
Garrard County property records are recorded by the Garrard County Clerk. They cover the county's 11,581 parcels and include deeds, mortgages, assignments and releases, valuations, and foreclosure filings.
The Garrard County Clerk records page has information on the office's recording services, and the Garrard County Clerk forms page lists forms for recording and related requests. To search recorded documents online, use the Garrard County official records search. The Clerk's office is at 15 Public Square, Lancaster, and the phone number is 859-792-3071.
It is open Monday through Friday, 8:00 AM to 4:00 PM, and staff can help with in-person record requests.
Gather the owner's name, property address, or parcel number before you start. Enter the most complete details you have, review the results, and open the entry that matches the property. If a record doesn't show up online, call the Clerk's office.
Garrard Registrar of Deeds
The Garrard County Probate Office is located at 15 Public Square, Lancaster, KY, 40444 and can be reached at 859-792-3071. Office hours are Monday - Friday: 8:00 AM - 4:00 PM. Records can be accessed through ecclix.com or the official website garrard.countyclerk.us.
Garrard County Clerk
Garrard County Property Records FAQ
How can I search Garrard County property records by address?
Use the Garrard County official records search to find recorded documents connected to a property. If an address doesn't produce a match, try the owner's name or call the Garrard County Clerk at 859-792-3071. Staff at 15 Public Square, Lancaster, can help you find the right record.
How can I find property owners in Garrard County?
Owners are named on recorded deeds. Search the Garrard County official records search for the deed on a property to see who holds title. You can also visit the Clerk's office at 15 Public Square, Lancaster, Monday through Friday, 8:00 AM to 4:00 PM, or call 859-792-3071.
How can I check a property's assessed value in Garrard County?
Garrard County's tax records reflect the 2024 assessment year, with the latest assessor update on December 26, 2024. Assessed values come from the county Property Valuation Administrator. Call the Garrard County Clerk at 859-792-3071 for directions, or see the Kentucky Department of Revenue.
Where can I find Garrard County property tax bills and payment records?
Property tax bills in Kentucky are collected by the county sheriff's office rather than the Clerk's recording system. Call the Garrard County Clerk at 859-792-3071 and staff can point you to the right office in Lancaster. The Garrard County Clerk records page also lists office details.
How can I find deeds and other recorded documents in Garrard County?
The Garrard County Clerk keeps deeds, mortgages, and other recorded documents. Search them through the Garrard County official records search. The county has 15,163 deed records and 7,683 mortgage records recorded from January 3, 2006. Forms are on the Clerk's forms page.
Where can I access Garrard County parcel maps and GIS information?
Parcel maps are kept by the county's property valuation office rather than the Clerk. Garrard County has 11,581 parcels in its tax records. Call the Garrard County Clerk at 859-792-3071 and ask where parcel maps and GIS information can be viewed.
How can I check permits and zoning information in Garrard County?
Permits and zoning are handled by local government offices, not the recording system. Call the Garrard County Clerk at 859-792-3071 and ask which office covers building permits and zoning in Lancaster and the rest of the county. Check requirements before starting construction or changing how land is used.
How can I create a list of property owners in Garrard County?
The online search is built for individual lookups, so owners are identified one deed at a time through the Garrard County official records search. For a bulk request, call the Clerk's office at 859-792-3071 and ask what records can be provided and whether fees apply.