103 E College St, Georgetown, KY 40324 Property Records

Scott County property record for 103 E College St, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3,008 sqft
Lot Size	0.078 acres (3,426 sqft)
Owner	2 Company Names on Record
Last Sale	$300,000 (Nov 2024)
Tax Bill	$2,672 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Nov 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`166-30-391.000`

Property Details

APN / Parcel Number

Primary APN	`166-30-391.000`

Interior

Stories	2 Stories
Building Area	3,008 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Composition/Composite
Lot Area	3,426 sqft (0.078 acres)

Location & Zoning

Street Address	103 E COLLEGE ST
City	GEORGETOWN
State	KY
Zip	40324-1684
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY GEO 54
Legal Subdivision	CITY GEO
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1012
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

Source: Scott 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 Company Names on Record
Mailing Address	2684 WOODLAWN WAY, LEXINGTON, KY 40511-8805
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Nov 14, 2024	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 3, 2022	Deed, Construction Loan · Construction Mortgage INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2024 · Amount on Record
Deed Sale	Nov 14, 2024 · Amount on Record
Prior Sale	Jan 3, 2022 · Amount on Record
Deed Document Number	2024516428
Deed Book / Page	453 / 384
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	103 E COLLEGE ST, GEORGETOWN, KY 40324-1684
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1451/458
Date	Jul 24, 2019
Book Page	M1451/458
Instrument	402670

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	FRANKFORT, KY 40602

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2029

Interest

Rate Type	Adjustable Rate

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	103 E COLLEGE ST, GEORGETOWN, KY 40324-1684
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1810/398
Date	Nov 14, 2024
Book Page	M1810/398
Instrument	516431

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

January 2022: Deed, Construction Loan

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jan 3, 2022
Property Address	103 E COLLEGE ST, GEORGETOWN, KY 40324-1684
Document Number	00D430/596
Book / Page	D430 / 596
Instrument Date	Dec 28, 2021
Instrument	448177
Transaction Type	Construction Loan
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1056 NINEVAH RD, LAWRENCEBURG, KY 40342-9602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1796 WOODLAKE RD, MIDWAY, KY 40347-9756

Mortgage

Document Number	0000448178
Date	Jan 3, 2022
Instrument	448178

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Dec 28, 2026

Tax Assessment & Valuation

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		$300,000 (-)	$300,000 (-)
2025	$2,672.00 (+73.51%)	$300,000 (+76.57%)	$300,000 (+76.57%)
2023	$1,540.00 (+4.48%)	$169,900 (-) Land $20,000 Building $149,900	$169,900 (-) Land $20,000 Building $149,900
2022	$1,474.00	$169,900 Land $15,000 Building $154,900	$169,900 Land $15,000 Building $154,900

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	Not rated no burnable land within 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 442 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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