Garrard County property record for 358 Settlement Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · built 1999 |
| Lot Size | 5.69 acres (247,987 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Dec 2013) |
| Tax Bill | $2,882 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05C-03 |
| Primary APN | 05C-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 247,987 sqft (5.69 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 22422 |
|---|---|
| Street Address | 358 SETTLEMENT DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 1-C & TR 1-B 5.693 AC |
| Legal Subdivision | HOMESTEAD |
| Legal Tract | 1-C-1-B |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 970102 |
Source: Garrard County records, as of October 16, 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 Record |
|---|---|
| Mailing Address | 358 SETTLEMENT DR, LANCASTER, KY 40444-8244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2013 · Amount on Record |
| Deed Sale | Dec 28, 2013 · Amount on Record |
| Deed Document Number | 2013119287 |
| Deed Book / Page | 273 / 291 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 29, 2026 |
| Property Address | 358 SETTLEMENT DR, LANCASTER, KY 40444-8244 |
| Document Number | 0000222313 |
| Book / Page | 477 / 765 |
| Instrument Date | Sep 24, 2026 |
| Instrument | 2026222313 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 358 SETTLEMENT DR, LANCASTER, KY 40444-8244 |
| Document Number | 0000222313, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 477/765 |
| Instrument | 2026222313 |
| Name | WHITAKER BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 24, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $280,000 (-) Land $40,000 Building $240,000 | $280,000 (-) Land $40,000 Building $240,000 | |
| 2025 | $2,882.00 (-0.48%) | $280,000 (-) Land $40,000 Building $240,000 | $280,000 (-) Land $40,000 Building $240,000 |
| 2024 | $2,896.00 (-2.82%) | $280,000 (-) Land $40,000 Building $240,000 | $280,000 (-) Land $40,000 Building $240,000 |
| 2023 | $2,980.00 (-0.93%) | $280,000 (-) Land $40,000 Building $240,000 | $280,000 (-) Land $40,000 Building $240,000 |
| 2022 | $3,008.00 | $280,000 Land $41,000 Building $239,000 | $280,000 Land $41,000 Building $239,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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