Garrard County property record for 65 Settlement Dr, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · built 1990 |
| Lot Size | 11 acres (479,160 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $678 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-28 |
| Primary APN | 05-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 479,160 sqft (11 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 986 |
|---|---|
| Street Address | 65 SETTLEMENT DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOTS 5 6 7 HOBBY FARMS |
| Legal Lot Number | 5-7 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 970102 |
Source: Garrard County records, as of May 5, 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 | 65 SETTLEMENT DR, LANCASTER, KY 40444-8013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
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 |
|---|---|---|---|
| 2025 | $678.00 (-4.51%) Homeowner's exemption | $115,000 (-) Land $10,000 Building $105,000 | $115,000 (-) Land $10,000 Building $105,000 |
| 2024 | $710.00 (-2.74%) Homeowner's exemption | $115,000 (-) Land $10,000 Building $105,000 | $115,000 (-) Land $10,000 Building $105,000 |
| 2023 | $730.00 (+5.49%) Homeowner's exemption | $115,000 (+9.52%) Land $10,000 Building $105,000 | $115,000 (+9.52%) Land $10,000 Building $105,000 |
| 2022 | $692.00 Homeowner's exemption | $105,000 Land $5,000 Building $100,000 | $105,000 Land $5,000 Building $100,000 |
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 |
|---|---|
| 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.
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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G and 4G LTE (outdoors only)
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