114 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 114 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,480 sqft · built 2003
Lot Size	0.275 acres (11,991 sqft)
Owner	Individual Name on Record
Tax Bill	$3,473 (2025)
Deeds & Mortgages	Oct 2005 Mortgage Jun 2017 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`061-00-139.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-139.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,480 sqft Living Area
1st Floor Area	1,480 sqft
Basement Area	1,480 sqft
Finished Basement	1,480 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	11,991 sqft (0.275 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	114 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	176
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	3
Census Block	3006
Census Tract	40605

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	Individual Name on Record
Mailing Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2005	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 23, 2017	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC
Oct 30, 2024	Deed of Trust, Mortgage · Commercial Mortgage BANK OF SPRINGFIELD
May 28, 2026	Deed of Trust, Mortgage · VA Mortgage NONE LISTED ON DOCUMENT
May 28, 2026	Quit Claim Deed, Transfer · VA Mortgage NONE LISTED ON DOCUMENT
Feb 23, 2023	Intrafamily Transfer, Transfer
May 6, 2020	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Aug 12, 2008	Deed, Transfer · VA Mortgage CTX MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026
Deed Sale	May 28, 2026
Prior Sale	Jan 28, 2025 · Amount on Record
Deed Document Number	2026587708
Deed Book / Page	466 / 75
Prior Transfer Date	May 12, 2026
Prior Transfer Doc	0000587708
Record Updated	Oct 29, 2026

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M748/313
Date	Oct 10, 2005
Book Page	M748/313
Instrument	134444

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2035

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1343/628
Date	Jun 23, 2017
Book Page	M1343/628
Instrument	370557

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1808/135
Date	Oct 30, 2024
Book Page	M1808/135
Instrument	514861

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62794

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Apr 11, 2025

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Recording Date	May 28, 2026
Property Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	0000587712
Book / Page	1899 / 436
Instrument Date	May 20, 2026
Instrument	2026587712
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	0000587712,
Date	May 28, 2026
Book Page	1899/436
Instrument	2026587712

Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCOTT KY
Recording Date	May 28, 2026
Property Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	0000587708
Book / Page	466 / 75
Instrument Date	May 12, 2026
Instrument	2026587708
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	0000587712,
Date	May 28, 2026
Instrument	2026587712

Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCOTT KY
Recording Date	Feb 23, 2023
Property Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	00D440/273
Book / Page	D440 / 273
Map Reference	CAB 7 SL 27
Instrument Date	Feb 17, 2023
Instrument	467947
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	114 PRATER DR, GEORGETOWN, KY 40324-8663

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	May 6, 2020
Property Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	D414/147
Book / Page	D414 / 147
Map Reference	CAB 7 SL 27
Instrument Date	May 1, 2020
Instrument	415924
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1815, GEORGETOWN, KY 40324-6815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	415926
Date	May 6, 2020
Instrument	415926

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

August 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Aug 12, 2008
Property Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	00D319/650
Book / Page	D319 / 650
Map Reference	CAB7 SL27
Instrument Date	Jul 31, 2008
Instrument	172687
Transaction Type	Transfer
Record Updated	Nov 22, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 MISSION PATH, GEORGETOWN, KY 40324-8799

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	114 PRATER DR, GEORGETOWN, KY 40324-8663
Investor	Possibly a Property Investor

Mortgage

Document Number	00M910/441
Date	Aug 12, 2008
Book Page	M910/441
Instrument	172688

Lender

Name	CTX MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	DALLAS, TX 75201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2038

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		$390,000 (-)	$390,000 (-)
2025	$3,473.00 (+36.89%)	$390,000 (+39.34%)	$390,000 (+39.34%)
2023	$2,537.00	$279,900 Land $28,000 Building $251,900	$279,900 Land $28,000 Building $251,900

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	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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