Garrard County property record for 170 Settlement Dr, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · built 1991 |
| Lot Size | 4.94 acres (215,519 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Apr 2020) |
| Tax Bill | $832 (2025) |
| Deeds & Mortgages | Apr 2007 Line of Credit Apr 2020 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-29 |
| Primary APN | 05-29 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 215,519 sqft (4.94 acres) |
| Garage Type | Basement |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 18737 |
|---|---|
| Street Address | 170 SETTLEMENT DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-9575 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOT 3 HOBBY FARMS |
| Legal Subdivision | HOMESTEAD |
| Legal Lot Number | 3 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 970102 |
Source: Garrard County records · APN 05-29
Assessment roll updated May 5, 2026 · Last verified May 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 | 170 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2007 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Apr 30, 2020 | Quit Claim Deed, Transfer Quitclaim |
| Oct 29, 2016 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 01, 2011 | Correction Deed |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 30, 2020 · Amount on Record |
| Deed Sale | Apr 30, 2020 · Amount on Record |
| Prior Sale | Oct 29, 2016 · Amount on Record |
| Deed Document Number | 2020156905 |
| Deed Book / Page | 302 / 858 |
| Prior Transfer Date | Feb 03, 2020 |
| Prior Transfer Doc | D302/858 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 170 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 170 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Document Number | 00M272/586 |
|---|---|
| Date | Apr 28, 2007 |
| Book Page | M272/586 |
| Instrument | 86917 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 12, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Apr 30, 2020 |
| Property Address | 170 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Document Number | 00D302/858 |
| Book / Page | D302 / 858 |
| Map Reference | DB 286 PG 140 |
| Instrument Date | Feb 03, 2020 |
| Instrument | 156905 |
| Transaction Type | Transfer |
| Record Updated | May 05, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 136 COURTNEY DR, NICHOLASVILLE, KY 40356-1473 |
| Name | Verified Name |
|---|---|
| Address | 170 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Oct 29, 2016 |
| Property Address | 170 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Document Number | 000286/140 |
| Book / Page | 286 / 140 |
| Instrument Date | Oct 19, 2016 |
| Instrument | 132441 |
| Transaction Type | Transfer |
| Record Updated | May 05, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 178 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Name | Verified Name |
|---|---|
| Address | 170 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Investor | Possibly a Property Investor |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Aug 01, 2011 |
| Property Address | 170 SETTLEMENT DR, LANCASTER, KY 40444-9575 |
| Document Number | 000263/180 |
| Book / Page | 263 / 180 |
| Record Updated | May 05, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Non-Arm's Length Transaction |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Garrard County records · Assessment roll updated May 5, 2026 · Last verified May 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 | $832.00 (-3.82%) Homeowner's exemption | $130,000 (-) Land $35,000 Building $95,000 | $130,000 (-) Land $35,000 Building $95,000 |
| 2024 | $865.00 (-37.45%) Homeowner's exemption | $130,000 (-) Land $35,000 Building $95,000 | $130,000 (-) Land $35,000 Building $95,000 |
| 2023 | $1,383.00 (+7.29%) | $130,000 (+8.33%) Land $35,000 Building $95,000 | $130,000 (+8.33%) Land $35,000 Building $95,000 |
| 2022 | $1,289.00 | $120,000 Land $30,000 Building $90,000 | $120,000 Land $30,000 Building $90,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 8 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARRARD CO WATER ASSOC INC private · serves 14,806 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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