103 Harness Ct, Georgetown, KY 40324 Property Records

Scott County property record for 103 Harness Ct, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,921 sqft · built 1999
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Oct 2016)
Tax Bill	$2,587 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`165-20-174.000`

Property Details

APN / Parcel Number

Primary APN	`165-20-174.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,921 sqft Living Area

Exterior

Year Built	Built 1999
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	10,454 sqft (0.239 acres)
Garage Type	Attached
Garage Area	409 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	103 HARNESS CT
City	GEORGETOWN
State	KY
Zip	40324-8838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE STABLES
Legal Subdivision	THE STABLES
Legal Lot Number	54
Legal Unit	2
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2022
Census Tract	40607

Owner

Source: Scott County assessment roll, as of April 1, 2025

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 File
Mailing Address	103 HARNESS CT, GEORGETOWN, KY 40324-8838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 20, 2016 · Amount on Record
Deed Sale	Oct 20, 2016 · Amount on Record
Deed Document Number	0000003821
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	103 HARNESS CT, GEORGETOWN, KY 40324-8838
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HARNESS CT, GEORGETOWN, KY 40324-8838

Mortgage

Document Number	M1642/743
Date	Sep 30, 2021
Book Page	M1642/743
Instrument	443259

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	VERSAILLES, KY 40383

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 14, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	103 HARNESS CT, GEORGETOWN, KY 40324-8838
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1615/311
Date	Jun 18, 2021
Book Page	M1615/311
Instrument	437697

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

Source: Scott County assessment roll, as of April 1, 2025

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
2025	$2,587.00 (+22.61%)	$290,500 (+24.79%)	$290,500 (+24.79%)
2023	$2,110.00 (+4.51%)	$232,800 (-) Land $47,500 Building $185,300	$232,800 (-) Land $47,500 Building $185,300
2022	$2,019.00	$232,800 Land $42,000 Building $190,800	$232,800 Land $42,000 Building $190,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 231 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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