109 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 109 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,850 sqft · built 2004
Lot Size	0.183 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$259,900 (Jun 2020)
Tax Bill	$2,506 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`061-00-124.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-124.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,850 sqft Living Area
1st Floor Area	1,373 sqft
Basement Area	1,850 sqft
Unfinished Basement	1,850 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	8,000 sqft (0.183 acres)
Garage Type	Basement
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 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	165
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	3
Census Block	3011
Census Tract	40605

Owner

109 Prater Dr is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 PRATER DR, GEORGETOWN, KY 40324-8663
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
Sep 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Jun 4, 2020	Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2020 · Amount on File
Deed Sale	Jun 4, 2020 · Amount on File
Prior Sale	Oct 1, 2009 · Amount on File
Deed Document Number	2020417009
Deed Book / Page	414 / 655
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	109 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1410/495
Date	Sep 12, 2018
Book Page	M1410/495
Instrument	391951

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40509

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2038

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jun 4, 2020
Property Address	109 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	D414/655
Book / Page	D414 / 655
Map Reference	CAB 7 SL 27
Instrument Date	Jun 2, 2020
Instrument	417009
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3028 POLO CLUB BLVD, 3028, LEXINGTON, KY 40509-8449

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	109 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	417010
Date	Jun 4, 2020
Instrument	417010

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 109 Prater Dr was $2,506.

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		$281,400 (-)	$281,400 (-)
2025	$2,506.00	$281,400	$281,400
2023	$2,356.00	$259,900 Land $28,000 Building $231,900	$259,900 Land $28,000 Building $231,900

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

Flood

FEMA maps place 109 Prater Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 109 Prater Dr 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	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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