112 Summeridge Rd, Georgetown, KY 40324 Property Records

Scott County property record for 112 Summeridge Rd, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,737 sqft · built 2003
Lot Size	1.17 acres (51,183 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,708 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`130-00-125.000`

Property Details

APN / Parcel Number

Primary APN	`130-00-125.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,737 sqft Living Area
1st Floor Area	2,156 sqft
Basement Area	1,737 sqft
Unfinished Basement	1,737 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	51,183 sqft (1.17 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	112 SUMMERIDGE RD
City	GEORGETOWN
State	KY
Zip	40324-9668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HILLS
Legal Subdivision	CEDAR HILLS
Legal Phase	2
Legal Lot Number	20
Jurisdiction	SCOTT KY
Township / Civil Division	STAMPING GROUND
Census Block Group	3
Census Block	3000
Census Tract	40502

Owner

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	112 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2020	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION
May 31, 2019	Deed of Trust, Mortgage · ARM L&N FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	112 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1487/576
Date	Feb 3, 2020
Book Page	M1487/576
Instrument	411571

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	112 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1510/299
Date	May 22, 2020
Book Page	M1510/299
Instrument	416529

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	4060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	8.75%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	112 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jul 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1442/501
Date	May 31, 2019
Book Page	M1442/501
Instrument	400731

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

Tax Assessment & Valuation

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		$304,100 (-)	$304,100 (-)
2025	$2,708.00 (+14.5%)	$304,100 (+16.56%)	$304,100 (+16.56%)
2023	$2,365.00	$260,900 Land $40,000 Building $220,900	$260,900 Land $40,000 Building $220,900

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

Flood

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

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	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

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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