104 Royal Ct, Georgetown, KY 40324 Property Records

Scott County property record for 104 Royal Ct, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,626 sqft · built 1999
Lot Size	1.29 acres (56,410 sqft)
Owner	2 Individual Names on File
Last Sale	$346,500 (May 2005)
Tax Bill	$4,380 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-00-032.000`

Property Details

APN / Parcel Number

Primary APN	`042-00-032.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,626 sqft Living Area
1st Floor Area	1,516 sqft
Basement Area	2,626 sqft
Unfinished Basement	2,626 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	56,410 sqft (1.29 acres)
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 ROYAL CT
City	GEORGETOWN
State	KY
Zip	40324-9185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VICTORIA ESTATES
Legal Subdivision	VICTORIA ESTATES
Legal Phase	1
Legal Lot Number	31
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2018
Census Tract	40605

Owner

104 Royal Ct is owned and occupied by two individuals who bought it in May 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 ROYAL CT, GEORGETOWN, KY 40324-9185
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

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Mar 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2005 · Amount on File
Deed Sale	May 16, 2005 · Amount on File
Deed Document Number	2005128143
Deed Book / Page	291 / 483
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 ROYAL CT, GEORGETOWN, KY 40324-9185
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ROYAL CT, GEORGETOWN, KY 40324-9185

Mortgage

Document Number	M1652/228
Date	Nov 5, 2021
Book Page	M1652/228
Instrument	445148

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Oct 27, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 ROYAL CT, GEORGETOWN, KY 40324-9185
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND GROUP TITLE & CLOSINGS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1550/205
Date	Oct 20, 2020
Book Page	M1550/205
Instrument	423136

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	104 ROYAL CT, GEORGETOWN, KY 40324-9185
Transaction Type	Mortgage
Record Updated	Apr 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1384/813
Date	Mar 19, 2018
Book Page	M1384/813
Instrument	383886

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 104 Royal Ct was $4,380.

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		$491,800 (-)	$491,800 (-)
2025	$4,380.00	$491,800	$491,800
2023	$3,499.00	$386,000 Land $60,000 Building $326,000	$386,000 Land $60,000 Building $326,000

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

Flood

FEMA maps place 104 Royal Ct in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 104 Royal Ct is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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