102 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 102 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,548 sqft · built 2002
Lot Size	0.332 acres (14,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,900 (Jun 2017)
Tax Bill	$3,260 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`061-00-161.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-161.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
1st Floor Area	1,548 sqft
Basement Area	1,548 sqft
Finished Basement	1,548 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Lot Area	14,487 sqft (0.332 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	102 PRATER DR
City	GEORGETOWN
State	KY
Zip	40324-8663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMESTEAD ESTATES I
Legal Subdivision	HOMESTEAD ESTATES I
Legal Phase	6
Legal Lot Number	170
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	3
Census Block	3006
Census Tract	40605

Owner

Source: Scott County records, as of May 19, 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	102 PRATER DR, GEORGETOWN, KY 40324-8663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Jul 29, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 1, 2017	Deed of Trust, Mortgage · FHA Mortgage BBMC MORTGAGE LLC
Dec 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 1, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on Record
Deed Sale	Jun 1, 2017 · Amount on Record
Prior Sale	Jan 27, 2006 · Amount on Record
Deed Document Number	2017369393
Deed Book / Page	387 / 483
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Recording Date	May 7, 2026
Property Address	102 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	0000585001
Book / Page	1896 / 187
Instrument Date	Apr 30, 2026
Instrument	2026585001
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	0000585001,
Date	May 7, 2026
Book Page	1896/187
Instrument	2026585001

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	102 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1626/179
Date	Jul 29, 2021
Book Page	M1626/179
Instrument	439838

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Jan 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	102 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1339/334
Date	Jun 1, 2017
Book Page	M1339/334
Instrument	369394

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	102 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jan 8, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1479/820
Date	Dec 18, 2019
Book Page	M1479/820
Instrument	409690

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jun 1, 2017
Property Address	102 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	D387/483
Book / Page	D387 / 483
Map Reference	CAB7 SL27
Instrument Date	May 26, 2017
Instrument	369393
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 PICKETT LN, 117, GEORGETOWN, KY 40324-8768

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	102 PRATER DR, GEORGETOWN, KY 40324-8663

Tax Assessment & Valuation

Source: Scott County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Scott County
Unified School District	Scott County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,260.00 (+43.36%)	$366,100 (+45.91%)	$366,100 (+45.91%)
2023	$2,274.00	$250,900 Land $28,000 Building $222,900	$250,900 Land $28,000 Building $222,900

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 November 20, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GEORGETOWN MUNICIPAL WATER SERVICE serves 44,608 people · EPA ID KY1050157
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	5 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	None 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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