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Single Family ResidentialResidential
$189,271
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 66How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $195,000 on Jun 25, 2024

86 PAM DR

LANCASTER, KY 40444
3
Beds
2
Baths
1998
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$189K
$125K low$253K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$195,000 · Jun 25, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$164 (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.$65,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$50,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$65,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$65,000

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.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
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.
91
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.

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 Residential
CountyGarrard
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central

Transaction History(2)

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
Camp Dick Robinson Elementary SchoolA-
Elementary · Grades PK–5 · 5.3 mi
M
Garrard Middle SchoolC+
Middle · Grades 6–8 · 11.3 mi
H
Garrard County High SchoolA-
High · Grades 9–12 · 12.8 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

86 Pam Dr 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.

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
$51K$638K

This home is worth more than 43% 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$189,271
CheaperTypical $211,633Pricier

Pricier than 43% of homes nearby

Year built1998
OlderTypical 1994Newer

Newer than 62% of homes nearby

How 86 Pam Dr ranks against every home in each area.
MeasureThis homeLancaster 40444Garrard County
Estimated valuepricier than$189,27143% of homes43% of homes
Year builtnewer than199862% of homes61% of homes

About 86 Pam Dr

How much is 86 Pam Dr, Lancaster, KY worth?

The TopHap Estimate for 86 Pam Dr, Lancaster, KY is $189,271 as of Aug 30, 2026. The likely range is $125,333 to $253,209. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 86 Pam Dr, Lancaster, KY last sell?

86 Pam Dr, Lancaster, KY last sold on Jun 25, 2024 for $195,000, according to the county's recorded deed.

How big is 86 Pam Dr, Lancaster, KY?

86 Pam Dr, Lancaster, KY has 3 bedrooms and 2 bathrooms.

When was 86 Pam Dr, Lancaster, KY built?

86 Pam Dr, Lancaster, KY was built in 1998, making it 28 years old. The building has 1 story.

What schools serve 86 Pam Dr, Lancaster, KY?

86 Pam Dr, Lancaster, KY is assigned to Camp Dick Robinson Elementary School (elementary), rated A-; Garrard Middle School (middle), rated C+; Garrard County High School (high), rated A-. All sit in Garrard County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 86 Pam Dr, Lancaster, KY compare to other homes in Lancaster 40444?

Among the 6,275 homes in Lancaster 40444, it is worth more than 43% of them ($189,271 against a typical $211,633) and it is newer than 62% of them (1998 against a typical 1994). Measured against all of Garrard County, it is worth more than 43% 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 86 Pam Dr, Lancaster, KY?

The 2025 property tax bill for 86 Pam Dr, Lancaster, KY was $164. The county assessed it at $65,000.

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Assigned schools

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