Scott County property record for 109 Sterling Dr, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 4,666 sqft · built 2007 |
| Lot Size | 9.58 acres (417,305 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,472 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Mar 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 245-00-021.000 |
| Primary APN | 245-00-021.000 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,666 sqft Living Area |
| 1st Floor Area | 1,763 sqft |
| Basement Area | 4,666 sqft |
| Unfinished Basement | 4,666 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 417,305 sqft (9.58 acres) |
| Garage Area | 2,560 sqft |
| Parking Spaces | 9 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 STERLING DR |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STERLING VALLEY |
| Legal Subdivision | STERLING VALLEY |
| Legal Lot Number | 7 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 40301 |
109 Sterling Dr is owned and occupied by an individual.
Source: Scott County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 STERLING DR, GEORGETOWN, KY 40324-8200 |
| 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.
| Date | Document |
|---|---|
| Dec 8, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Mar 29, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 109 STERLING DR, GEORGETOWN, KY 40324-8200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1563/387 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | M1563/387 |
| Instrument | 425225 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 15, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 109 STERLING DR, GEORGETOWN, KY 40324-8200 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2018 |
| Name | Verified Name |
|---|
| Document Number | M1386/380 |
|---|---|
| Date | Mar 29, 2018 |
| Book Page | M1386/380 |
| Instrument | 384536 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 109 STERLING DR, GEORGETOWN, KY 40324-8200 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 380404 |
|---|---|
| Date | Jan 8, 2018 |
| Book Page | M1375/618 |
| Instrument | 380404 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | GEORGETOWN, KY 40324 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
The 2025 property tax bill for 109 Sterling Dr was $5,472.
Source: Scott County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Scott County |
| Unified School District | Scott County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $614,400 (-) | $614,400 (-) | |
| 2025 | $5,472.00 | $614,400 | $614,400 |
| 2023 | $4,865.00 | $536,600 Land $140,000 Building $396,600 | $536,600 Land $140,000 Building $396,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Sterling Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 |
| Nearby Flood Claims | 1 (2015) |
| Most Recent Claim | Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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 risk around 109 Sterling 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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