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120 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 120 Prater Dr, Georgetown, KY 40324

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,072 sqft · built 2003
OwnerIndividual Name on File
Last Sale$299,000 (May 2022)
Tax Bill$2,363 (2025)
Deeds & MortgagesAug 2021 Line of Credit
May 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN061-00-100.000

Property Details

APN / Parcel Number

Primary APN061-00-100.000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms12 Rooms
Stories2 Stories
Building Area2,072 sqft Living Area

Exterior

Year BuiltBuilt 2003
Exterior MaterialCombination
Foundation TypeBlock
Garage TypeAttached
Garage Area686 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address120 PRATER DR
CityGEORGETOWN
StateKY
Zip40324-8663
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOMESTEAD ESTATES I
Legal SubdivisionHOMESTEAD ESTATES I
Legal Phase6
Legal Lot Number179
JurisdictionSCOTT KY
Township / Civil DivisionGEORGETOWN
Census Block Group3
Census Block3006
Census Tract40605

Owner

Source: Scott County records · APN 061-00-100.000

Assessment roll updated April 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address120 PRATER DR, GEORGETOWN, KY 40324-8663
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 20, 2021Deed of Trust, Mortgage · Line of Credit
UNIFY FINANCIAL FCU
May 16, 2022Deed, Transfer · Conventional Mortgage
MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 16, 2022 · Amount on Record
Deed SaleMay 16, 2022 · Amount on Record
Deed Document Number454431
Deed Book / PageD433 / 540
Record UpdatedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCOTT KY
Property Address120 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction TypeMortgage
Record UpdatedMar 26, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0M1632/405
DateAug 20, 2021
Book PageM1632/405
Instrument441010
Lender
NameUNIFY FINANCIAL FCU
TypeCredit Union
AddressTORRANCE, CA 90501
Agreement
TypeLine of Credit
AmountAmount Recorded
Term355 Months
DueMar 25, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2022: Deed, Transfer

Document TypeDeed
JurisdictionSCOTT KY
Recording DateMay 16, 2022
Property Address120 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number00D433/540
Book / PageD433 / 540
Map ReferenceCAB 7 SL 27
Instrument DateMay 10, 2022
Instrument454431
Transaction TypeTransfer
Record UpdatedMar 26, 2024
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$299.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address227 TAN BARK DR, GEORGETOWN, KY 40324-8437

Transferred To (Grantee/Buyer)

NameVerified Name
Address5006 BIRCHMONT DR, HOUSTON, TX 77091-5006
InvestorPossibly a Property Investor

Mortgage

Document Number0000454432
DateMay 16, 2022
Instrument454432
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

Tax Assessment & Valuation

Source: Scott County records · Assessment roll updated April 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateKentucky
CountyScott County
Unified School DistrictScott County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,363.00 (+3.19%) Homeowner's exemption$314,400 (+5.15%)$314,400 (+5.15%)
2023$2,290.00 Homeowner's exemption$299,000 Land $28,000 Building $271,000$299,000 Land $28,000 Building $271,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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 135 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemGEORGETOWN MUNICIPAL WATER SERVICE
serves 44,608 people
Water SourceSurface water
Last State InspectionAug 2025
Lead5 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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