$525,000
SOLD NOV 25, 2025

1003 Settlement Dr Lancaster, KY 40444

3 Beds
4 Baths
3,103 Sq Ft
5 Acres

Recently Sold

$169 Per Sq Ft

0 Day on Market

Highlights

  • Docks
  • Horses Allowed On Property
  • Secluded Lot
  • Boat Ramp
  • Public Water Access
  • Wooded Lot

About This Home

As of November 2025

Interior photos coming soon. Outstanding opportunity! Renovated 3,100 sf Custom Ranch with a wraparound porch overlooking 5 beautiful acres with views of flowers, wildlife, rolling hills and just minutes away from Lake Herrington and the Marina in the beautiful Homestead Herrington. This home features 3 generously sized Bedrooms with a split floor plan design for the ultimate privacy and 2 Full and 2 Half Baths, a gourmet Eat-in Kitchen with large bar and pantry plus a separate formal Dining area, vaulted Greatroom, Home Office, Utility room and Bonus Room. Some of the additional features include bamboo floors, oversized side entry 2 car garage, decks all around, lots of storage areas, large closets, French doors and walls of windows. The sellers have made so many improvements...the list is too long for the space allowed here. Please request a copy. If you like the idea of boating, fishing, privacy and more, This is a must see.

Last Agent to Sell the Property

Kitty Lane

Bluegrass Sotheby's International Realty License #181314 Listed on: 11/03/2025

Bluegrass Sotheby's International Realty

Co-Listed By

K Meredith Lane

Bluegrass Sotheby's International Realty License #214344

Last Buyer's Agent

Lynn East Ransdell

RE/MAX Creative Realty License #206700

Home Details

Home Type

  • Single Family

Year Built

  • Built in 2006

Lot Details

  • 5 Acre Lot
  • Landscaped
  • Secluded Lot
  • Wooded Lot

HOA Fees

  • $4 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Side Facing Garage
  • Garage Door Opener
  • Driveway
  • Off-Street Parking

Home Design

  • Ranch Style House
  • Block Foundation
  • Dimensional Roof
  • Shingle Roof
  • Vinyl Siding
  • Concrete Perimeter Foundation

Interior Spaces

  • 3,103 Sq Ft Home
  • Vaulted Ceiling
  • Ceiling Fan
  • Insulated Windows
  • Blinds
  • Insulated Doors
  • Entrance Foyer
  • Great Room
  • Dining Room
  • Home Office
  • Bonus Room
  • First Floor Utility Room
  • Utility Room
  • Rural Views
  • Crawl Space
  • Attic Access Panel
  • Storm Doors

Kitchen

  • Eat-In Kitchen
  • Breakfast Bar
  • Oven
  • Cooktop
  • Microwave
  • Dishwasher

Flooring

  • Wood
  • Ceramic Tile
  • Vinyl

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Walk-In Closet
  • Bathroom on Main Level
  • Primary bathroom on main floor

Laundry

  • Laundry on main level
  • Dryer
  • Washer

Outdoor Features

  • Public Water Access
  • Property is near a marina
  • Boat Ramp
  • Docks
  • Wrap Around Porch

Schools

  • Camp Dick Elementary School
  • Garrard Co Middle School
  • Garrard Co High School

Utilities

  • Central Air
  • Heat Pump System
  • Electric Water Heater
  • Septic Tank
  • Cable TV Available

Additional Features

  • Pasture
  • Horses Allowed On Property

Community Details

  • Homestead Herrington Subdivision

Listing and Financial Details

  • Assessor Parcel Number 05C-40

Home Details

Home Type

Single Family

Year Built

Built in 2006

Lot Details

0

HOA Fees

$4 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub-Type: Single Family Residence
  • Architectural Style: Ranch
  • Structure Type: House
  • Year Built: 2006
  • Above Grade Finished Sq Ft: 3103.0
  • Levels: One
  • New Construction: No
  • Structure Type:House: Yes
  • Roof:Dimensional Style: Yes
  • Foundation Details:Concrete Perimeter: Yes
  • Flooring:Hardwood: Yes
  • Water Source:Public: Yes
  • Appliances Microwave: Yes
  • Laundry Features:Washer Hookup: Yes
  • Laundry Features:Electric Dryer Hookup: Yes
  • Laundry Features:Main Level: Yes
  • Architectural Style:Ranch: Yes
  • Foundation Details:Block3: Yes
  • Appliances Refrigerators: Yes
  • View:Rural: Yes
  • Appliances Dryer: Yes
  • Washers: Yes
  • Roof:Shingle: Yes
  • Flooring:Ceramic Tile: Yes
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Cooktop, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer
  • Interior Amenities: Breakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Downstairs, Walk-In Closet(s)
  • Flooring: Ceramic Tile, Hardwood, Vinyl, Other
  • Full Bathrooms: 2
  • Half Bathrooms: 2
  • Total Bathrooms: 4
  • Basement: Crawl Space
  • Basement: No
  • Total Bedrooms: 3
  • Door Features: Storm Door(s)
  • Fireplace: No
  • LivingArea: 3103.0
  • Lot Size Area: 5.0
  • Window Features: Blinds, Insulated Windows
  • Appliances:Cooktop: Yes
  • Appliances Dishwasher: Yes
  • Interior Features:Entrance Foyer: Yes
  • Interior Features:Walk-In Closet(s): Yes
  • Interior Features:Breakfast Bar: Yes
  • Basement:Crawl Space: Yes
  • Appliances:Oven: Yes

Exterior Features

  • Exterior Features: Other
  • Roof: Dimensional Style, Shingle
  • Construction Materials: Vinyl Siding, Other
  • Foundation Details: Block, Concrete Perimeter
  • Home Warranty: No
  • Horse: Yes
  • List Price: 525000.0
  • Lot Features: Landscaped, Secluded, Wooded, Other
  • Patio And Porch Features: Porch, Front Porch, Rear Porch
  • Pool Private: No
  • View: Rural
  • View YN: Yes
  • Waterfront: No
  • Window Features:Blinds: Yes
  • Window Features:Insulated Windows: Yes
  • Exterior Features:Storm Door(s): Yes
  • Construction Materials:Vinyl Siding: Yes
  • Lot Features:Secluded: Yes
  • Lot Features:Wooded: Yes

Garage/Parking

  • Attached Garage: No
  • Carport: No
  • Garage Spaces: 2.0
  • Garage: Yes
  • Parking Features: Attached Garage, Driveway, Garage Door Opener, Garage Faces Side, Off Street
  • Parking Features:Driveway: Yes

Utilities

  • Sewer: Septic Tank
  • Heating: Electric, Heat Pump
  • Cooling: Ceiling Fan(s), Central Air
  • Cooling: Yes
  • Heating: Yes
  • Laundry Features: Electric Dryer Hookup, Main Level, Washer Hookup
  • Utilities: Cable Available, Electricity Available, Water Available
  • Water Source: Public
  • Heating:Heat Pump2: Yes
  • Sewer Septic Tank: Yes

Condo/Co-op/Association

  • Association Fee: 50.0
  • Association Fee Frequency: Annually
  • Association: Yes

Fee Information

  • Association Fee Includes: Other

Schools

  • Elementary School: Camp Dick
  • High School: Garrard Co
  • Middle or Junior School: Garrard Co

Lot Info

  • Lot Size Acres: 5.0
  • Lot Size Sq Ft: 217800.0
  • Parcel Number: 05C-40

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Nov 3, 2025
Closed on
Nov 25, 2025
Sold by
Allen Moira Katharine and Allen Patrick David
Bought by
Hardin William L and Hardin Deborah G
Seller's Agent
Kitty Lane
Bluegrass Sotheby's International Realty
Buyer's Agent
Lynn East Ransdell
RE/MAX Creative Realty
List Price
$525,000
Sold Price
$525,000
Views
12

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-2.83%

Purchase Details

Closed on
Aug 9, 2023
Sold by
Garrard Circuit Court
Bought by
Checkered Wheels Llc and Chase

Purchase Details

Listed on
May 13, 2022
Closed on
Jun 16, 2022
Sold by
Chase Patrick E and Chase Vivian
Bought by
Allen Moira Katharine and Allen Patrick Avid
Seller's Agent
Kim Hurst
Kentucky Properties Realty Group
Buyer's Agent
Kitty Lane
Bluegrass Sotheby's International Realty
List Price
$399,900
Sold Price
$399,000
Premium/Discount to List
-$900
-0.23%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.64%

Purchase Details

Listed on
Apr 11, 2019
Closed on
Jul 10, 2019
Sold by
Rowsey Ray
Bought by
Chase Patrick E and Chase Vivian
Seller's Agent
Clarissa R Barber
Berkshire Hathaway de Movellan Properties
Buyer's Agent
Roni Porter
RE/MAX Creative Realty
List Price
$258,000
Sold Price
$258,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
15.99%

Purchase Details

Closed on
May 20, 2005
Sold by
Hart and Hart Robert A
Bought by
Rowsey Ray and Rowsey Donna
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Purchase History

Date Type Sale Price Title Company
Deed $525,000 Bluegrass Land Title
Public Action Common In Florida Clerks Tax Deed Or Tax Deeds Or Property Sold For Taxes $2,771,690 None Listed On Document
Deed $399,000 Bluegrass Land Title
Deed $258,000 Bluegrass Land Title
Deed $30,000 --
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
11/25/2025 11/25/25 Sold $525,000 0.0% $169 / Sq Ft
11/03/2025 11/03/25 Pending -- -- --
11/03/2025 11/03/25 For Sale $525,000 +31.6% $169 / Sq Ft
06/16/2022 06/16/22 Sold $399,000 -0.2% $129 / Sq Ft View Prior Sale
05/21/2022 05/21/22 Pending -- -- --
05/13/2022 05/13/22 For Sale $399,900 0.0% $130 / Sq Ft
04/09/2022 04/09/22 Pending -- -- --
04/01/2022 04/01/22 For Sale $399,900 0.0% $130 / Sq Ft
03/21/2022 03/21/22 Pending -- -- --
03/18/2022 03/18/22 For Sale $399,900 +55.0% $130 / Sq Ft
07/10/2019 07/10/19 Sold $258,000 0.0% -- View Prior Sale
06/09/2019 06/09/19 Pending -- -- --
04/11/2019 04/11/19 For Sale $258,000 -- --
Source: ImagineMLS (Bluegrass REALTORS®)

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,602 $399,000 $55,000 $344,000
2024 $3,602 $399,000 $55,000 $344,000
2023 $3,647 $399,000 $55,000 $344,000
2022 $2,772 $258,000 $40,000 $218,000
2021 $2,831 $258,000 $40,000 $218,000
2020 $2,833 $258,000 $40,000 $218,000
2019 $2,925 $265,000 $40,000 $225,000
2018 $2,924 $265,000 $40,000 $225,000
2017 $2,911 $265,000 $40,000 $225,000
2016 $2,855 $265,000 $40,000 $225,000
2012 $2,807 $265,000 $40,000 $225,000
Source: Public Records

Agents Affiliated with this Home

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Map

Source: ImagineMLS (Bluegrass REALTORS®)

MLS Number: 25504203

ImagineMLS (Bluegrass REALTORS®)

APN: 05C-40