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Single Family ResidenceResidential
$93,826
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 59How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

205 OSCAR RAY RD

LANCASTER, KY 40444
0
Baths
9.57 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.

Valuation

$94K
$56K low$132K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$112 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$60,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$32,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$28,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$50,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$60,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.63
86
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.97 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyGARRARD
Lot (acres)The size of the land the home sits on, from county records.9.57
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
CoolingThe type of cooling or air conditioning in the home.Wall Unit
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lancaster Elementary SchoolC+
Elementary · Grades PK–5 · 7.8 mi
M
Garrard Middle SchoolC-
Middle · Grades 6–8 · 7.9 mi
H
Garrard County High SchoolC
High · Grades 9–12 · 8.8 mi

District: Garrard County School District

Neighborhood · ZIP 40444These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.153
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.15,098
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.92 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,007
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,649
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

205 Oscar Ray Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 87% of homes in Lancaster 40444
  • Has a bigger lot than 86% of homes in Lancaster 40444

What homes are worth in Lancaster 40444

Each bar is how many homes fall in that price range. The marker is this home.

This home
$47K$618K

This home is worth more than 13% of homes in Lancaster 40444.

How it measures up in Lancaster 40444

The dot is this home. The mark in the middle is the typical home in Lancaster 40444.

Estimated value$93,826
CheaperTypical $206,527Pricier

Pricier than 13% of homes nearby

Lot size9.57 ac
SmallerTypical 1.05 acBigger

Bigger than 86% of homes nearby

How 205 Oscar Ray Rd ranks against every home in each area.
MeasureThis homeLancaster 40444Garrard County
Estimated valuepricier than$93,82613% of homes14% of homes
Lot sizebigger than9.57 ac86% of homes82% of homes

About 205 Oscar Ray Rd

How much is 205 Oscar Ray Rd, Lancaster, KY worth?

The TopHap Estimate for 205 Oscar Ray Rd, Lancaster, KY is $93,826 as of Sep 24, 2026. The likely range is $55,525 to $132,127. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 205 Oscar Ray Rd, Lancaster, KY last sell?

205 Oscar Ray Rd, Lancaster, KY last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 205 Oscar Ray Rd, Lancaster, KY?

205 Oscar Ray Rd, Lancaster, KY is assigned to Lancaster Elementary School (elementary), rated C+; Garrard Middle School (middle), rated C-; Garrard County High School (high), rated C. All sit in Garrard County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 205 Oscar Ray Rd, Lancaster, KY compare to other homes in Lancaster 40444?

Among the 6,281 homes in Lancaster 40444, it is worth more than 13% of them ($93,826 against a typical $206,527) and its lot is bigger than 86% of them (9.57 ac against a typical 1.05 ac). Measured against all of Garrard County, it is worth more than 14% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 205 Oscar Ray Rd, Lancaster, KY?

The 2025 property tax bill for 205 Oscar Ray Rd, Lancaster, KY was $112. The county assessed it at $60,000.

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Assigned schools

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