Garrard County property record for 662 Settlement Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 576 sqft · built 2010 |
| Lot Size | 1.7 acres (74,139 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,501 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05B-01.01 |
| Primary APN | 05B-01.01 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 576 sqft Living Area |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 74,139 sqft (1.7 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 14610 |
|---|---|
| Street Address | 662 SETTLEMENT DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 2 1.702 AC PLAT CAB 1 SLIDE 258 |
| Legal Subdivision | HOMESTEAD HERRINGTON |
| Legal Tract | 2 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 970102 |
662 Settlement Dr is owned and occupied by an individual who acquired it in July 2010.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 662 SETTLEMENT DR, LANCASTER, KY 40444-8247 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2010 |
| Deed Sale | Jul 7, 2010 |
| Deed Book / Page | 259 / 157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 662 SETTLEMENT DR, LANCASTER, KY 40444-8247 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 662 SETTLEMENT DR, LANCASTER, KY 40444-8247 |
| Document Number | 00M463/424 |
|---|---|
| Date | Oct 10, 2025 |
| Book Page | M463/424 |
| Instrument | 200058 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Aug 1, 2040 |
The 2025 property tax bill for 662 Settlement Dr was $1,501 with a homeowner's exemption, down 2.3% from the year before.
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 | $195,000 (-) Land $25,000 Building $170,000 | $195,000 (-) Land $25,000 Building $170,000 | |
| 2025 | $1,501.00 (-2.34%) Homeowner's exemption | $195,000 (-) Land $25,000 Building $170,000 | $195,000 (-) Land $25,000 Building $170,000 |
| 2024 | $1,537.00 (-2.84%) Homeowner's exemption | $195,000 (-) Land $25,000 Building $170,000 | $195,000 (-) Land $25,000 Building $170,000 |
| 2023 | $1,582.00 (+5.61%) Homeowner's exemption | $195,000 (+8.33%) Land $25,000 Building $170,000 | $195,000 (+8.33%) Land $25,000 Building $170,000 |
| 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.
FEMA maps place 662 Settlement Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 662 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.
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 26 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 |
5G and 4G LTE (outdoors only)
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