125 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 125 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,518 sqft · built 2003
Lot Size	0.226 acres (9,872 sqft)
Owner	Individual Name on File
Last Sale	$231,500 (Apr 2018)
Tax Bill	$2,494 (2025)
Deeds & Mortgages	Oct 2024 Transfer Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061-00-104.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-104.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,518 sqft Living Area
1st Floor Area	1,518 sqft
Basement Area	1,607 sqft
Finished Basement	1,607 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Foundation Type	Block
Lot Area	9,872 sqft (0.226 acres)
Garage Type	Attached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	125 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	162
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	3
Census Block	3011
Census Tract	40605

Owner

125 Prater Dr is owned and occupied by an individual who acquired it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	125 PRATER DR, GEORGETOWN, KY 40324-8663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 29, 2024	Intrafamily Transfer, Transfer
Sep 5, 2019	Deed of Trust, Mortgage · VA Mortgage STOCKTON MORTGAGE CORP
Apr 23, 2018	Deed, Transfer · VA Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2018 · Amount on File
Deed Sale	Apr 23, 2018 · Amount on File
Prior Sale	Jul 5, 2013 · Amount on File
Deed Book / Page	396 / 693
Last Transfer Date	Oct 14, 2024
Transfer Doc	000D453/89
Record Updated	Oct 29, 2026

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCOTT KY
Recording Date	Oct 29, 2024
Property Address	125 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	000D453/89
Book / Page	D453 / 89
Map Reference	CAB 7 SL 27
Instrument Date	Oct 14, 2024
Instrument	514822
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
Address	339 E WASHINGTON ST, GEORGETOWN, KY 40324-1768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 PRATER DR, GEORGETOWN, KY 40324-8663
Mail Care Of	EDWARD A COTTERELL

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	125 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1459/095
Date	Sep 5, 2019
Book Page	M1459/095
Instrument	404650

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Apr 23, 2018
Property Address	125 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	D396/693
Book / Page	D396 / 693
Map Reference	CAB7 SLIDE 27
Instrument Date	Apr 13, 2018
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3539 EMBASSY DR, 3539, HOWELL, MI 48843-9676

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	385579
Date	Apr 23, 2018
Instrument	385579

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 125 Prater Dr was $2,494.

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		$280,100 (-)	$280,100 (-)
2025	$2,494.00	$280,100	$280,100
2023	$2,244.00	$247,600 Land $28,000 Building $219,600	$247,600 Land $28,000 Building $219,600

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

Flood

FEMA maps place 125 Prater Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 125 Prater 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	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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