104 Lloyd Rd, Georgetown, KY 40324 Property Records

Scott County property record for 104 Lloyd Rd, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3,248 sqft
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Apr 2026)
Tax Bill	$3,224 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Oct 2022 Mortgage + 10 more
Flood Zone	Zone X (minimal risk)
APN	`112-20-016.000`

Property Details

APN / Parcel Number

Primary APN	`112-20-016.000`

Interior

Stories	2 Stories
Building Area	3,248 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Foundation Type	Stone
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	7,500 sqft
Parking Spaces	24 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	104 LLOYD RD
City	GEORGETOWN
State	KY
Zip	40324-8996
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY RES
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1005
Census Tract	40605

Owner

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 Record
Mailing Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2019	Deed of Trust, Mortgage · VA Mortgage KENTUCKY BANK
Oct 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Aug 4, 2010	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK INC
Jul 10, 2008	Deed of Trust, Mortgage FIFTH THIRD BANK
Dec 6, 2010	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK INC
Aug 19, 2011	Deed of Trust, Mortgage · Line of Credit TOWN & COUNTRY BANK & TRSUT COMPANY
Aug 10, 2016	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Feb 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 22, 2026	Deed, Transfer · Conventional Mortgage LEADER BANK NA
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage LEADER BANK NA
Jul 10, 2023	Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC
Sep 12, 2018	Deed, Transfer · Commercial Mortgage KENTUCKY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Prior Sale	Jul 10, 2023 · Amount on Record
Deed Document Number	2026582597
Deed Book / Page	465 / 286
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1446/592
Date	Jun 24, 2019
Book Page	M1446/592
Instrument	401569

Lender

Name	KENTUCKY BANK
Type	Bank
Address	PARIS, KY 40362

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000M1717/1
Date	Oct 31, 2022
Book Page	M1717/1
Instrument	461107

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M998/793
Date	Aug 4, 2010
Book Page	M998/793
Instrument	200482

Lender

Name	MAGNOLIA BANK INC
Address	HODGENVILLE, KY 42748

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2025

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Transaction Type	Mortgage
Record Updated	May 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M906/458
Date	Jul 10, 2008
Book Page	M906/458
Instrument	171570

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2038

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1016/288
Date	Dec 6, 2010
Book Page	M1016/288
Instrument	205822

Lender

Name	MAGNOLIA BANK INC
Address	HODGENVILLE, KY 42748

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2025

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1044/456
Date	Aug 19, 2011
Book Page	M1044/456
Instrument	214430

Lender

Name	TOWN & COUNTRY BANK & TRSUT COMPANY
Address	BARDSTOWN, KY 40004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 22, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1294/702
Date	Aug 10, 2016
Book Page	M1294/702
Instrument	358747

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jul 23, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1824/176
Date	Feb 24, 2025
Book Page	M1824/176
Instrument	527908

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 13, 2054

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Apr 22, 2026
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Document Number	0000582597
Book / Page	465 / 286
Instrument Date	Apr 22, 2026
Instrument	2026.582597
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	PRECISE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,025.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Investor	Possibly a Property Investor

Mortgage

Document Number	0000582597,
Date	Apr 22, 2026
Book Page	1893/597
Instrument	2026.582597

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Recording Date	Apr 22, 2026
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Document Number	0000582598
Book / Page	1893 / 597
Instrument Date	Apr 22, 2026
Instrument	2026582598
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PRECISE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1084 ARMSTRONG MILL RD, LEXINGTON, KY 40517-3156
Investor	Possibly a Property Investor

Mortgage

Document Number	0000582598,
Date	Apr 22, 2026
Book Page	1893/597
Instrument	2026582598

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jul 10, 2023
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Document Number	00D443/118
Book / Page	D443 / 118
Instrument Date	Jul 3, 2023
Instrument	476186
Transaction Type	Transfer
Record Updated	Aug 3, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 MORGAN BERRY RD, BERRY, KY 41003-8244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996

Mortgage

Document Number	0000476187
Date	Jul 10, 2023
Instrument	476187

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Sep 12, 2018
Property Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996
Document Number	D400/257
Book / Page	D400 / 257
Instrument Date	Sep 11, 2018
Instrument	391946
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	685 SPILLMAN DR, 685, DRY RIDGE, KY 41035-7468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LLOYD RD, GEORGETOWN, KY 40324-8996

Mortgage

Document Number	391947
Date	Sep 12, 2018
Instrument	391947

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 11, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
2026		$485,100 (+34.01%)	$485,100 (+34.01%)
2025	$3,224.00 (+46.15%)	$362,000 (+48.73%)	$362,000 (+48.73%)
2023	$2,206.00 (+4.5%)	$243,400 (-) Land $40,000 Building $203,400	$243,400 (-) Land $40,000 Building $203,400
2022	$2,111.00	$243,400 Land $40,000 Building $203,400	$243,400 Land $40,000 Building $203,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2015)
Most Recent Claim	Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 2 claims

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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 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 31 locations within half a mile, as of December 31, 2025

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