Scott County property record for 109 Thomas Ln, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,276 sqft · built 1998 |
| Lot Size | 0.138 acres (6,040 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Jan 2026) |
| Tax Bill | $2,557 (2025) |
| Deeds & Mortgages | Jun 2007 Mortgage Dec 2010 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-00-198.000 |
| Primary APN | 061-00-198.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,276 sqft Living Area |
| 1st Floor Area | 1,002 sqft |
| Basement Area | 1,276 sqft |
| Unfinished Basement | 1,276 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Combination |
| Lot Area | 6,040 sqft (0.138 acres) |
| Garage Type | Attached |
| Garage Area | 419 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 THOMAS LN |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOMESTEAD ESTATES |
| Legal Subdivision | HOMESTEAD ESTATES |
| Legal Phase | 2 |
| Legal Lot Number | 78 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 40605 |
Source: Scott County records · APN 061-00-198.000
Assessment roll updated January 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jun 27, 2007 | Deed of Trust, Mortgage · Conventional Mortgage FORT KNOX FCU |
| Dec 17, 2010 | Deed of Trust, Mortgage · Conventional Mortgage FORT KNOX FCU |
| Jan 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 15, 2023 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 27, 2007 | Deed, Transfer · Conventional Mortgage FORT KNOX FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 23, 2026 · Amount on Record |
| Deed Sale | Jan 23, 2026 · Amount on Record |
| Prior Sale | Aug 15, 2023 · Amount on Record |
| Deed Document Number | 2026570534 |
| Deed Book / Page | 463 / 577 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M854/560 |
|---|---|
| Date | Jun 27, 2007 |
| Book Page | M854/560 |
| Instrument | 158264 |
| Name | FORT KNOX FCU |
|---|---|
| Type | Credit Union |
| Address | RADCLIFF, KY 40159 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 01, 2017 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1017/721 |
|---|---|
| Date | Dec 17, 2010 |
| Book Page | M1017/721 |
| Instrument | 206238 |
| Name | FORT KNOX FCU |
|---|---|
| Type | Credit Union |
| Address | RADCLIFF, KY 40159 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Jan 23, 2026 |
| Property Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Document Number | 00D463/577 |
| Book / Page | D463 / 577 |
| Map Reference | CAB 5 SL 1806 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 570534 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2026 |
| Title Company | HOME CLOSINGS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4665 N BEAHAM AVE, MERIDIAN, ID 83646-6641 |
| Name | Verified Name |
|---|---|
| Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Document Number | 0000570535 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 570535 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Aug 15, 2023 |
| Property Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Document Number | 00D443/739 |
| Book / Page | D443 / 739 |
| Map Reference | CAB 5 PG 1806 |
| Instrument Date | Aug 08, 2023 |
| Instrument | 478539 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 250 HUBBARD LN, BRANDENBURG, KY 40108-6428 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Document Number | 0000478542 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 478542 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Jun 27, 2007 |
| Property Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Document Number | D310/733 |
| Book / Page | D310 / 733 |
| Map Reference | SL1619 |
| Instrument Date | Jun 22, 2007 |
| Instrument | 158262 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 209 GEMINI TRL, 209, GEORGETOWN, KY 40324-9585 |
| Name | Verified Name |
|---|---|
| Address | 109 THOMAS LN, GEORGETOWN, KY 40324-8612 |
| Document Number | 00M854/544 |
|---|---|
| Date | Jun 27, 2007 |
| Book Page | M854/544 |
| Instrument | 158263 |
| Name | FORT KNOX FCU |
|---|---|
| Type | Credit Union |
| Address | RADCLIFF, KY 40159 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2037 |
Source: Scott County records · Assessment roll updated January 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Scott County |
| Unified School District | Scott County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,557.00 (+43.01%) | $287,100 (+45.59%) | $287,100 (+45.59%) |
| 2023 | $1,788.00 (+13.31%) | $197,200 (+8.41%) Land $25,000 Building $172,200 | $197,200 (+8.41%) Land $25,000 Building $172,200 |
| 2022 | $1,578.00 | $181,900 Land $25,000 Building $156,900 | $181,900 Land $25,000 Building $156,900 |
Source: FEMA National Flood Hazard Layer as of November 20, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
Based on FCC filings for 124 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GEORGETOWN MUNICIPAL WATER SERVICE serves 44,608 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 5 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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