116 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 116 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,813 sqft · built 2003
Lot Size	0.379 acres (16,536 sqft)
Owner	2 Individual Names on Record
Last Sale	$236,000 (Oct 2014)
Tax Bill	$2,264 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`061-00-127.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-127.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,813 sqft Living Area
1st Floor Area	1,169 sqft
Basement Area	1,169 sqft
Finished Basement	1,169 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	16,536 sqft (0.379 acres)
Garage Type	Mixed
Garage Area	1,208 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	116 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	177
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	2 Individual Names on Record
Mailing Address	116 PRATER DR, GEORGETOWN, KY 40324-8663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage METRO EMPLOYEES CREDIT UNION
Aug 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC
Sep 20, 2024	Deed of Trust, Mortgage · Line of Credit METRO EMPLOYEES CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2014 · Amount on Record
Deed Sale	Oct 1, 2014 · Amount on Record
Prior Sale	Nov 2, 2009 · Amount on Record
Deed Document Number	2014324531
Deed Book / Page	364 / 176
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Recording Date	Jul 21, 2026
Property Address	116 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	0000595407
Book / Page	1909 / 663
Instrument Date	Jul 10, 2026
Instrument	2026595407
Transaction Type	Mortgage
Record Updated	Aug 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	0000595407,
Date	Jul 21, 2026
Book Page	1909/663
Instrument	2026595407

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	116 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1318/486
Date	Jan 3, 2017
Book Page	M1318/486
Instrument	363880

Lender

Name	METRO EMPLOYEES CREDIT UNION
Address	LEXINGTON, KY 40504

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	116 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	0M1749/701
Date	Aug 10, 2023
Book Page	M1749/701
Instrument	478289

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	116 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1802/320
Date	Sep 20, 2024
Book Page	M1802/320
Instrument	511436

Lender

Name	METRO EMPLOYEES CU INC
Type	Credit Union
Address	LEXINGTON, KY 40504

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 19, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$303,300 (-)	$303,300 (-)
2025	$2,264.00 (+9.37%) Disabled Person's exemption	$303,300 (+10.41%)	$303,300 (+10.41%)
2023	$2,070.00 Disabled Person's exemption	$274,700 Land $30,000 Building $244,700	$274,700 Land $30,000 Building $244,700

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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