Garrard County property record for 1133 Settlement Dr, Lancaster, KY 40444 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 1998 |
| Lot Size | 1.1 acres (48,090 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,500 (Aug 2016) |
| Tax Bill | $1,945 (2025) |
| Deeds & Mortgages | Mar 2009 Mortgage Jan 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05C-39.03 |
| Primary APN | 05C-39.03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Vinyl |
| Lot Area | 48,090 sqft (1.1 acres) |
| Garage Type | Attached |
| Account Number | 21662 |
|---|---|
| Street Address | 1133 SETTLEMENT DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8269 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 1.104 AC |
| Legal Subdivision | HOMESTEAD HERRINGTON |
| Legal Lot Number | 3 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 970102 |
Source: Garrard County records · APN 05C-39.03
Assessment roll updated May 5, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1133 SETTLEMENT DR, LANCASTER, KY 40444-8269 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2009 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY TRUST COMPANY |
| Jan 17, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 11, 2019 | Deed, Transfer |
| Aug 08, 2016 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 30, 2009 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 08, 2016 · Amount on Record |
| Deed Sale | Aug 08, 2016 · Amount on Record |
| Prior Sale | Mar 30, 2009 |
| Deed Document Number | 2016131019 |
| Deed Book / Page | 284 / 777 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 1133 SETTLEMENT DR, LANCASTER, KY 40444-8269 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M290/699 |
|---|---|
| Date | Mar 30, 2009 |
| Book Page | M290/699 |
| Instrument | 98870 |
| Name | GUARANTY TRUST COMPANY |
|---|---|
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 1133 SETTLEMENT DR, LANCASTER, KY 40444-8269 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1133 SETTLEMENT DR, LANCASTER, KY 40444-8269 |
| Document Number | 00M453/539 |
|---|---|
| Date | Jan 17, 2025 |
| Book Page | M453/539 |
| Instrument | 190839 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Dec 01, 2064 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Dec 11, 2019 |
| Property Address | 1133 SETTLEMENT DR, LANCASTER, KY 40444-8269 |
| Document Number | 00D301/231 |
| Book / Page | D301 / 231 |
| Map Reference | DB 284 PG 777 |
| Instrument Date | Nov 26, 2019 |
| Instrument | 155287 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $184.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 130 PALISADES PT, LANCASTER, KY 40444-8956 |
| Name | Verified Name |
|---|---|
| Address | 133 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Aug 08, 2016 |
| Property Address | 1133 SETTLEMENT DR, LANCASTER, KY 40444-8269 |
| Document Number | 000284/777 |
| Book / Page | 284 / 777 |
| Instrument Date | Aug 05, 2016 |
| Instrument | 131019 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $65.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11260 KY HWY, WAYNESBURG, KY 40489 |
| Name | Verified Name |
|---|---|
| Address | 1133 SETTLEMENT DR, LANCASTER, KY 40444-8269 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Mar 30, 2009 |
| Property Address | 1133 SETTLEMENT DR, LANCASTER, KY 40444-8269 |
| Document Number | 000253/457 |
| Book / Page | 253 / 457 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Garrard County records · Assessment roll updated May 5, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,945.00 (-0.46%) | $189,000 (-) Land $30,000 Building $159,000 | $189,000 (-) Land $30,000 Building $159,000 |
| 2024 | $1,954.00 (-2.83%) | $189,000 (-) Land $30,000 Building $159,000 | $189,000 (-) Land $30,000 Building $159,000 |
| 2023 | $2,011.00 (+1.77%) | $189,000 (+2.72%) Land $30,000 Building $159,000 | $189,000 (+2.72%) Land $30,000 Building $159,000 |
| 2022 | $1,976.00 | $184,000 Land $25,000 Building $159,000 | $184,000 Land $25,000 Building $159,000 |
Source: FEMA National Flood Hazard Layer, Garrard County (21079C), updated December 21, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 5,882 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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