103 Clay Ave, Georgetown, KY 40324 Property Records

Scott County property record for 103 Clay Ave, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,812 sqft
Lot Size	0.437 acres (19,064 sqft)
Owner	Individual Name on File
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Apr 2020 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`167-30-292.000`

Property Details

APN / Parcel Number

Primary APN	`167-30-292.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,812 sqft Living Area
1st Floor Area	1,812 sqft
Basement Area	1,812 sqft
Finished Basement	1,812 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Concrete Block
Construction Type	Frame
Lot Area	19,064 sqft (0.437 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	103 CLAY AVE
City	GEORGETOWN
State	KY
Zip	40324-1562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY GEO 54-1
Legal Subdivision	MCKNIGHT SUB
Legal Lot Number	13-14-1
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2007
Census Tract	40209

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Broadway Neighborhood District listed 1991 · 217 contributing resources · NRIS 91001856

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

103 Clay Ave is owned and occupied by an individual who acquired it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	103 CLAY AVE, GEORGETOWN, KY 40324-1562
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 14, 2020
Transfer Doc	D413/625
Record Updated	Oct 29, 2026

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCOTT KY
Recording Date	Apr 9, 2020
Property Address	103 CLAY AVE, GEORGETOWN, KY 40324-1562
Document Number	D413/625
Book / Page	D413 / 625
Instrument Date	Feb 14, 2020
Instrument	414424
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CLAY AVE, GEORGETOWN, KY 40324-1562

Mortgage

Document Number	414427
Date	Apr 9, 2020
Instrument	414427

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	875 Months
Due	Mar 1, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.82%
Type Change Date	Mar 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 103 Clay Ave was $1,457 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$212,700 (-)	$212,700 (-)
2025	$1,457.00 Homeowner's exemption	$212,700	$212,700
2023	$1,409.00 (+7.64%) Homeowner's exemption	$201,800 (+5.43%) Land $35,000 Building $166,800	$201,800 (+5.43%) Land $35,000 Building $166,800
2022	$1,309.00 Homeowner's exemption	$191,400 Land $30,000 Building $161,400	$191,400 Land $30,000 Building $161,400

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

Flood

FEMA maps place 103 Clay Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 103 Clay Ave is low, with less than 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 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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