121 Sterling Dr, Georgetown, KY 40324 Property Records

Scott County property record for 121 Sterling Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,081 sqft · built 2001
Lot Size	8.39 acres (365,512 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,432 (Nov 2006)
Tax Bill	$5,747 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`245-00-015.000`

Property Details

APN / Parcel Number

Primary APN	`245-00-015.000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	14 Rooms
Stories	1 Story
Building Area	3,081 sqft Living Area
1st Floor Area	2,618 sqft
Basement Area	3,081 sqft
Finished Basement	3,081 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	365,512 sqft (8.39 acres)
Garage Type	Basement
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	121 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	10
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2000
Census Tract	40301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	121 STERLING DR, GEORGETOWN, KY 40324-8200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage MEMBERS HERITAGE FCU
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2006 · Amount on Record
Deed Sale	Nov 22, 2006 · Amount on Record
Deed Document Number	2006149964
Deed Book / Page	305 / 782
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	121 STERLING DR, GEORGETOWN, KY 40324-8200
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1630/524
Date	Aug 13, 2021
Book Page	M1630/524
Instrument	440630

Lender

Name	MEMBERS HERITAGE FCU
Type	Credit Union
Address	LEXINGTON, KY 40511

Agreement

Amount	Amount Recorded
Term	239 Months
Due	Jul 26, 2041

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	121 STERLING DR, GEORGETOWN, KY 40324-8200
Transaction Type	Mortgage
Record Updated	Jun 23, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1514/27
Date	Jun 4, 2020
Book Page	M1514/27
Instrument	417016

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

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		$645,300 (-)	$645,300 (-)
2025	$5,747.00 (+17.09%)	$645,300 (+19.19%)	$645,300 (+19.19%)
2023	$4,908.00	$541,400 Land $125,000 Building $416,400	$541,400 Land $125,000 Building $416,400

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 · 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

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

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