104 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 104 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 2004
Lot Size	0.243 acres (10,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Feb 2021)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`061-00-158.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-158.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,778 sqft
Basement Area	1,800 sqft
Unfinished Basement	1,800 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	10,589 sqft (0.243 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 PRATER DR
City	GEORGETOWN
State	KY
Zip	40324-8663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMESTEAD ESTATES I
Legal Subdivision	HOMESTEAD ESTATES I
Legal Phase	6
Legal Lot Number	171
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	3
Census Block	3006
Census Tract	40605

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 Individual Names on Record
Mailing Address	104 PRATER DR, GEORGETOWN, KY 40324-8663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE SERVICES IN
Jan 23, 2020	Deed, Transfer · Conventional Mortgage PEOPLES EXCHANGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2021 · Amount on Record
Deed Sale	Feb 17, 2021 · Amount on Record
Prior Sale	Jan 23, 2020 · Amount on Record
Deed Document Number	2021428570
Deed Book / Page	421 / 709
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Feb 17, 2021
Property Address	104 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	D421/709
Book / Page	D421 / 709
Map Reference	CAB 7 SL 27
Instrument Date	Feb 5, 2021
Instrument	428570
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 DALE HOLLOW DR, 121, GEORGETOWN, KY 40324-2815

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	104 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	428571
Date	Feb 17, 2021
Instrument	428571

Lender

Name	SIERRA PACIFIC MORTGAGE SERVICES IN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jan 23, 2020
Property Address	104 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	D411/783
Book / Page	D411 / 783
Map Reference	CAB 7 SL 27
Instrument Date	Jan 21, 2020
Instrument	410902
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 65, GEORGETOWN, KY 40324-0065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	410903
Date	Jan 23, 2020
Instrument	410903

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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		$305,000 (-)	$305,000 (-)
2025	$2,716.00 (+5.11%)	$305,000 (+7.02%)	$305,000 (+7.02%)
2023	$2,584.00	$285,000 Land $28,000 Building $257,000	$285,000 Land $28,000 Building $257,000

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 135 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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