392 Settlement Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 392 Settlement Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1999
Lot Size	1 acres (43,640 sqft)
Owner	Individual Name on File
Last Sale	$349,800 (Sep 2023)
Tax Bill	$3,600 (2025)
Deeds & Mortgages	Sep 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`05C-03.02`

Property Details

APN / Parcel Number

Primary APN	`05C-03.02`
Alternative APNs	`25158` `583`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,640 sqft (1 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	25158
Street Address	392 SETTLEMENT DR
City	LANCASTER
State	KY
Zip	40444-8244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 1-A
Legal Subdivision	HOMESTEAD HERR
Legal Tract	1
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3016
Census Tract	970102

Owner

392 Settlement Dr is owned and occupied by an individual who bought it in September 2023.

Source: Garrard County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	392 SETTLEMENT DR, LANCASTER, KY 40444-8244
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Prior Sale	Nov 22, 2005 · Amount on File
Deed Document Number	2023177839
Deed Book / Page	322 / 814
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Sep 5, 2023
Property Address	392 SETTLEMENT DR, LANCASTER, KY 40444-8244
Document Number	00D322/814
Book / Page	D322 / 814
Map Reference	CAB 2 SL 647
Instrument Date	Aug 31, 2023
Instrument	177839
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1464 GOSSER RIDGE RD, LIBERTY, KY 42539-6944

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	392 SETTLEMENT DR, LANCASTER, KY 40444-8244

Tax Assessment & Valuation

The 2025 property tax bill for 392 Settlement Dr was $3,600, down 0.5% from the year before.

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$349,800 (-) Land $34,000 Building $315,800	$349,800 (-) Land $34,000 Building $315,800
2025	$3,600.00 (-0.47%)	$349,800 (-) Land $34,000 Building $315,800	$349,800 (-) Land $34,000 Building $315,800
2024	$3,617.00 (+136.71%)	$349,800 (+84.11%) Land $34,000 Building $315,800	$349,800 (+84.11%) Land $34,000 Building $315,800
2023	$1,528.00 (+2%) Homeowner's exemption	$190,000 (+5.56%) Land $25,000 Building $165,000	$190,000 (+5.56%) Land $25,000 Building $165,000
2022	$1,498.00 Homeowner's exemption	$180,000 Land $20,000 Building $160,000	$180,000 Land $20,000 Building $160,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 392 Settlement Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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

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.

Wildfire

Wildfire risk around 392 Settlement Dr is low, with a 0.02% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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