126 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 126 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,539 sqft · built 2002
Lot Size	0.214 acres (9,363 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,012 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`061-00-083.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-083.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,539 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Foundation Type	Block
Lot Area	9,363 sqft (0.214 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	126 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	182
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 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	126 PRATER DR, GEORGETOWN, KY 40324-8663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Quit Claim Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 7, 2023	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Nov 30, 2020	Deed, Transfer · FHA Mortgage NORTHPOINTE BANK
Mar 15, 2019	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2026
Deed Sale	Aug 18, 2026
Prior Sale	Nov 30, 2020 · Amount on Record
Deed Document Number	2026598829
Deed Book / Page	468 / 211
Prior Transfer Date	Aug 12, 2026
Prior Transfer Doc	0000598829
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCOTT KY
Recording Date	Aug 18, 2026
Property Address	126 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	0000598829
Book / Page	468 / 211
Instrument Date	Aug 12, 2026
Instrument	2026598829
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	VYLLA TITLE LLC, VYLLA TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	0000598834,
Date	Aug 18, 2026
Instrument	2026598834

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1745/667
Date	Jul 7, 2023
Book Page	M1745/667
Instrument	476074

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Nov 30, 2020
Property Address	126 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	D419/757
Book / Page	D419 / 757
Map Reference	CAB 7 SL 27
Instrument Date	Nov 25, 2020
Instrument	424811
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 TAYLOR DR, 131, CYNTHIANA, KY 41031-1762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	424812
Date	Nov 30, 2020
Instrument	424812

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Mar 15, 2019
Property Address	126 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	D404/083
Book / Page	D404 / 083
Map Reference	CAB 7 SL 27
Instrument Date	Mar 12, 2019
Instrument	397943
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 DUNN CIR, 148, GEORGETOWN, KY 40324-8796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	397944
Date	Mar 15, 2019
Instrument	397944

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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		$225,900 (-)	$225,900 (-)
2025	$2,012.00 (+5.67%)	$225,900 (+7.57%)	$225,900 (+7.57%)
2023	$1,904.00	$210,000 Land $28,000 Building $182,000	$210,000 Land $28,000 Building $182,000

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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