699 Settlement Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 699 Settlement Dr, Lancaster, KY 40444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba
Lot Size	3.04 acres (132,422 sqft)
Owner	2 Individual Names on File
Last Sale	$554,000 (Jan 2025)
Tax Bill	$3,499 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`05C-42`

Property Details

APN / Parcel Number

Primary APN	`05C-42`
Alternative APN	`19383`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	132,422 sqft (3.04 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19383
Street Address	699 SETTLEMENT DR
City	LANCASTER
State	KY
Zip	40444-8247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, GAR & 3.040 AC SETTLEMENT DR
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3016
Census Tract	970102

Owner

699 Settlement Dr is owned and occupied by two individuals who bought it in January 2025.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	699 SETTLEMENT DR, LANCASTER, KY 40444-8247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2025	Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC
Jul 25, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2025 · Amount on File
Deed Sale	Jan 13, 2025 · Amount on File
Prior Sale	Jul 25, 2017 · Amount on File
Deed Document Number	2025190638
Deed Book / Page	330 / 57
Record Updated	Oct 29, 2026

January 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jan 13, 2025
Property Address	699 SETTLEMENT DR, LANCASTER, KY 40444-8247
Document Number	000D330/57
Book / Page	D330 / 57
Map Reference	CAB 7 SL 32
Instrument Date	Jan 8, 2025
Instrument	190638
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	LAND GROUP TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	757 SETTLEMENT DR, LANCASTER, KY 40444-8248

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	699 SETTLEMENT DR, LANCASTER, KY 40444-8247

Mortgage

Document Number	0000190641
Date	Jan 13, 2025
Instrument	190641

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 25, 2017
Property Address	699 SETTLEMENT DR, LANCASTER, KY 40444-8247
Document Number	000289/625
Book / Page	289 / 625
Instrument Date	Jul 24, 2017
Instrument	135325
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	699 SETTLEMENT DR, LANCASTER, KY 40444-8247

Tax Assessment & Valuation

The 2025 property tax bill for 699 Settlement Dr was $3,499, up 15.2% 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		$340,000 (-) Land $50,000 Building $290,000	$340,000 (-) Land $50,000 Building $290,000
2025	$3,499.00 (+15.21%) Homeowner's exemption	$340,000 (+3.03%) Land $50,000 Building $290,000	$340,000 (+3.03%) Land $50,000 Building $290,000
2024	$3,037.00 (-2.82%) Homeowner's exemption	$330,000 (-) Land $50,000 Building $280,000	$330,000 (-) Land $50,000 Building $280,000
2023	$3,125.00 (+0.48%) Homeowner's exemption	$330,000 (+3.13%) Land $50,000 Building $280,000	$330,000 (+3.13%) Land $50,000 Building $280,000
2022	$3,110.00 Homeowner's exemption	$320,000 Land $45,000 Building $275,000	$320,000 Land $45,000 Building $275,000

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

Flood

FEMA maps place 699 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

Wildfire risk around 699 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 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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