Scott County property record for 104 Stephen Dr, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,705 sqft · built 2017 |
| Lot Size | 0.202 acres (8,812 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $339,900 (Dec 2024) |
| Tax Bill | $3,027 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jul 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 207-30-022.031 |
| Primary APN | 207-30-022.031 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,705 sqft Living Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 8,812 sqft (0.202 acres) |
| Street Address | 104 STEPHEN DR |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLEASANT VALLEY |
| Legal Subdivision | PLEASANT VALLEY |
| Legal Block | I |
| Legal Lot Number | 3 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 40303 |
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 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2026 | Deed of Trust, Mortgage · VA Mortgage LUMINATE BANK |
| Jul 14, 2021 | Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE FCU |
| Jun 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| May 18, 2017 | Deed of Trust, Mortgage · Construction Mortgage PRO MORTGAGES LLC |
| Jun 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 20, 2018 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 18, 2017 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2024 · Amount on Record |
| Deed Sale | Dec 23, 2024 · Amount on Record |
| Prior Sale | Feb 20, 2018 · Amount on Record |
| Deed Document Number | 2024520078 |
| Deed Book / Page | 454 / 175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Title Company | UNKNOWN, LAND GROUP TITLE |
| Name | Verified Name |
|---|---|
| Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Document Number | 0M1876/482 |
|---|---|
| Date | Jan 8, 2026 |
| Book Page | M1876/482 |
| Instrument | 568147 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1622/48 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | M1622/48 |
| Instrument | 438976 |
| Name | MEMBERS HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40511 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 13, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | M1613/189 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | M1613/189 |
| Instrument | 437195 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ROSA, CA 95401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | M1337/800 |
|---|---|
| Date | May 18, 2017 |
| Book Page | M1337/800 |
| Instrument | 368955 |
| Name | PRO MORTGAGES LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 16, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2021 |
| Title Company | ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M1445/104 |
|---|---|
| Date | Jun 17, 2019 |
| Book Page | M1445/104 |
| Instrument | 401240 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Feb 20, 2018 |
| Property Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Document Number | D395/066 |
| Book / Page | D395 / 066 |
| Map Reference | CAB11 SL327 |
| Instrument Date | Feb 16, 2018 |
| Instrument | 382777 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $213.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 525 DARBY CREEK RD # RD34, 525, LEXINGTON, KY 40509-1603 |
| Name | Verified Name |
|---|---|
| Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Document Number | 382778 |
|---|---|
| Date | Feb 20, 2018 |
| Instrument | 382778 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | May 18, 2017 |
| Property Address | 104 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Document Number | D387/226 |
| Book / Page | D387 / 226 |
| Map Reference | CAB11 SL327 |
| Instrument Date | May 16, 2017 |
| Instrument | 368954 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $42.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1020 W MAIN ST, 1020, LEXINGTON, KY 40508-2012 |
| Name | Verified Name |
|---|---|
| Address | 525 DARBY CREEK RD # 34, 34, LEXINGTON, KY 40509-1603 |
Source: Scott County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Scott County |
| Municipality | Georgetown City |
| Unified School District | Scott County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $339,900 (-) | $339,900 (-) | |
| 2025 | $3,027.00 (+25.6%) | $339,900 (+27.88%) | $339,900 (+27.88%) |
| 2023 | $2,410.00 (+16.43%) | $265,800 (+11.4%) Land $45,000 Building $220,800 | $265,800 (+11.4%) Land $45,000 Building $220,800 |
| 2022 | $2,070.00 | $238,600 Land $42,000 Building $196,600 | $238,600 Land $42,000 Building $196,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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.
Source: FCC Broadband Data Collection, based on 286 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 |
| Verizon Fixed Wireless | 300 / 20 |
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