117 Sterling Dr, Georgetown, KY 40324 Property Records

Scott County property record for 117 Sterling Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,711 sqft · built 1999
Lot Size	6.12 acres (266,587 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Jun 2020)
Tax Bill	$5,430 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`245-00-018.000`

Property Details

APN / Parcel Number

Primary APN	`245-00-018.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,711 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Foundation Type	Block
Lot Area	266,587 sqft (6.12 acres)
Garage Type	Mixed
Garage Area	1,442 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	117 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	9
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2000
Census Tract	40301

Owner

117 Sterling Dr is owned and occupied by two individuals who bought it in June 2020.

Source: Scott County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	117 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.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK
Jun 11, 2020	Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Oct 2, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 5, 2017	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2020 · Amount on File
Deed Sale	Jun 11, 2020 · Amount on File
Prior Sale	Oct 2, 2017 · Amount on File
Deed Document Number	2020417312
Deed Book / Page	414 / 816
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	117 STERLING DR, GEORGETOWN, KY 40324-8200
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1360/567
Date	Oct 2, 2017
Book Page	M1360/567
Instrument	375415

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40392

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jun 11, 2020
Property Address	117 STERLING DR, GEORGETOWN, KY 40324-8200
Document Number	D414/816
Book / Page	D414 / 816
Map Reference	CAB 5 SL 1952
Instrument Date	Jun 9, 2020
Instrument	417312
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	PRECISE TITLE SVCS LLC, PRECISE TITLE SEVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	349 TAYLOR JONES RD, 349, FALMOUTH, KY 41040-8146

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	117 STERLING DR, GEORGETOWN, KY 40324-8200

Mortgage

Document Number	417313
Date	Jun 11, 2020
Instrument	417313

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Oct 2, 2017
Property Address	117 STERLING DR, GEORGETOWN, KY 40324-8200
Document Number	D391/174
Book / Page	D391 / 174
Map Reference	CAB5 SL1952
Instrument Date	Sep 29, 2017
Instrument	375414
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$445.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 PETUNIA CT, 111, NICHOLASVILLE, KY 40356-0008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 STERLING DR, GEORGETOWN, KY 40324-8200

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	117 STERLING DR, GEORGETOWN, KY 40324-8200
Transaction Type	Mortgage
Record Updated	Jul 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 371217
Date	Jul 5, 2017
Book Page	M1345/821
Instrument	371217

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 4, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 117 Sterling Dr was $5,430.

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		$609,700 (-)	$609,700 (-)
2025	$5,430.00	$609,700	$609,700
2023	$4,928.00	$543,600 Land $115,000 Building $428,600	$543,600 Land $115,000 Building $428,600

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

Flood

FEMA maps place 117 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

Wildfire risk around 117 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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