923 Settlement Dr, Lancaster, KY 40444 Property Records

Garrard County property record for 923 Settlement Dr, Lancaster, KY 40444

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · built 1993
Lot Size	16.2 acres (708,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$366,500 (Oct 2025)
Tax Bill	$1,090 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05C-41`

Property Details

APN / Parcel Number

Primary APN	`05C-41`
Alternative APN	`7417`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	708,155 sqft (16.2 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	7417
Street Address	923 SETTLEMENT DR
City	LANCASTER
State	KY
Zip	40444-8250
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Subdivision	HOMESTEAD
Jurisdiction	GARRARD KY
Township / Civil Division	BRYANTSVILLE
Census Block Group	3
Census Block	3016
Census Tract	970102

Owner

Source: Garrard County records, as of September 23, 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	17507 WHITE OAK AVE, LOWELL, IN 46356-9411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Oct 10, 2025	Deed, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Sep 4, 2025 · Amount on Record
Deed Document Number	2025200118
Deed Book / Page	334 / 220
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	923 SETTLEMENT DR, LANCASTER, KY 40444-8250
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 SETTLEMENT DR, LANCASTER, KY 40444-8250

Mortgage

Document Number	000M465/96
Date	Nov 13, 2025
Book Page	M465/96
Instrument	201402

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40223

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Oct 10, 2025
Property Address	923 SETTLEMENT DR, LANCASTER, KY 40444-8250
Document Number	00D334/220
Book / Page	D334 / 220
Map Reference	CAB 2 SL 536
Instrument Date	Oct 2, 2025
Instrument	200118
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5520 EBENEZER RD, GREENSBURG, KY 42743-7756

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	17507 WHITE OAK AVE, LOWELL, IN 46356-9411

Mortgage

Document Number	0000200119
Date	Oct 10, 2025
Instrument	200119

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

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
2026		$235,500 (+51.94%)	$366,500 (+136.45%) Land $366,500
2025	$1,090.00 (-2.94%) Homeowner's exemption	$155,000 (-) Land $15,000 Building $140,000	$155,000 (-) Land $15,000 Building $140,000
2024	$1,123.00 (-2.85%) Homeowner's exemption	$155,000 (-) Land $15,000 Building $140,000	$155,000 (-) Land $15,000 Building $140,000
2023	$1,156.00 (-1.7%) Homeowner's exemption	$155,000 (+3.33%) Land $15,000 Building $140,000	$155,000 (+3.33%) Land $15,000 Building $140,000
2022	$1,176.00 Homeowner's exemption	$150,000 Land $15,000 Building $135,000	$150,000 Land $15,000 Building $135,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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)

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