696 Settlement Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 696 Settlement Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2010
Lot Size	1.7 acres (74,139 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jul 2025)
Tax Bill	$2,933 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`05B-01`

Property Details

APN / Parcel Number

Primary APN	`05B-01`
Alternative APN	`22221`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	74,139 sqft (1.7 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	22221
Street Address	696 SETTLEMENT DR
City	LANCASTER
State	KY
Zip	40444-8247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.702 AC
Legal Subdivision	HOMESTEAD HERRINGTON
Legal Tract	1
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3016
Census Tract	970102

Owner

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	2 Individual Names on Record
Mailing Address	696 SETTLEMENT DR, LANCASTER, KY 40444-8247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
Dec 30, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2025 · Amount on Record
Deed Sale	Jul 11, 2025 · Amount on Record
Prior Sale	Dec 30, 2019 · Amount on Record
Deed Document Number	2025196521
Deed Book / Page	332 / 759
Prior Transfer Date	Aug 23, 2019
Prior Transfer Doc	00D301/471
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	696 SETTLEMENT DR, LANCASTER, KY 40444-8247
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	UNKNOWN, LAND GROUP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	696 SETTLEMENT DR, LANCASTER, KY 40444-8247

Mortgage

Document Number	00M467/807
Date	Feb 5, 2026
Book Page	M467/807
Instrument	203771

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2046

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 30, 2019
Property Address	696 SETTLEMENT DR, LANCASTER, KY 40444-8247
Document Number	00D301/471
Book / Page	D301 / 471
Map Reference	DB 264 PG 924
Instrument Date	Aug 23, 2019
Instrument	155541
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	696 SETTLEMENT DR, LANCASTER, KY 40444-8247

Tax Assessment & Valuation

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
2025	$2,933.00 (-0.48%)	$285,000 (-) Land $30,000 Building $255,000	$285,000 (-) Land $30,000 Building $255,000
2024	$2,947.00 (-2.84%)	$285,000 (-) Land $30,000 Building $255,000	$285,000 (-) Land $30,000 Building $255,000
2023	$3,033.00 (-0.91%)	$285,000 (-) Land $30,000 Building $255,000	$285,000 (-) Land $30,000 Building $255,000
2022	$3,061.00	$285,000 Land $30,000 Building $255,000	$285,000 Land $30,000 Building $255,000

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

Flood

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

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 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Settlement Dr

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