Scott County property record for 102 Royal Ct, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,046 sqft · built 1997 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Mar 2020) |
| Tax Bill | $3,675 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-00-030.000 |
| Primary APN | 042-00-030.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,046 sqft Living Area |
| 1st Floor Area | 1,042 sqft |
| Basement Area | 2,046 sqft |
| Finished Basement | 2,046 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Lot Area | 44,431 sqft (1.02 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 102 ROYAL CT |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-9185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VICTORIA ESTATES |
| Legal Subdivision | VICTORIA ESTATES |
| Legal Phase | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 40605 |
102 Royal Ct is owned and occupied by two individuals who bought it in March 2020.
Source: Scott 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 | 102 ROYAL CT, GEORGETOWN, KY 40324-9185 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS COMMERCE BANK |
| Nov 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMERCE BANK |
| May 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Mar 17, 2020 | Warranty Deed, Transfer · ARM GUARDIAN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2020 · Amount on File |
| Deed Sale | Mar 17, 2020 · Amount on File |
| Prior Sale | Apr 9, 2010 · Amount on File |
| Deed Document Number | 2020413203 |
| Deed Book / Page | 413 / 36 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 102 ROYAL CT, GEORGETOWN, KY 40324-9185 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 102 ROYAL CT, GEORGETOWN, KY 40324-9185 |
| Document Number | 0M1718/224 |
|---|---|
| Date | Nov 9, 2022 |
| Book Page | M1718/224 |
| Instrument | 461673 |
| Name | CITIZENS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Oct 22, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 102 ROYAL CT, GEORGETOWN, KY 40324-9185 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1652/118 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | M1652/118 |
| Instrument | 445124 |
| Name | CITIZENS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 102 ROYAL CT, GEORGETOWN, KY 40324-9185 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M1510/79 |
|---|---|
| Date | May 20, 2020 |
| Book Page | M1510/79 |
| Instrument | 416477 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Mar 17, 2020 |
| Property Address | 102 ROYAL CT, GEORGETOWN, KY 40324-9185 |
| Document Number | D413/36 |
| Book / Page | D413 / 36 |
| Map Reference | SL 1458 |
| Instrument Date | Mar 5, 2020 |
| Instrument | 413203 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 459 COLSTON LN, 459, FRANKFORT, KY 40601-9441 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 102 ROYAL CT, GEORGETOWN, KY 40324-9185 |
| Document Number | 413204 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 413204 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
The 2025 property tax bill for 102 Royal Ct was $3,675.
Source: Scott County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Scott County |
| Unified School District | Scott County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $412,600 (-) | $412,600 (-) | |
| 2025 | $3,675.00 | $412,600 | $412,600 |
| 2023 | $3,400.00 | $375,000 Land $60,000 Building $315,000 | $375,000 Land $60,000 Building $315,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 Royal Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 20, 2022 · 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 | 3 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 risk around 102 Royal Ct is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures