126 Summeridge Rd, Georgetown, KY 40324 Property Records

Scott County property record for 126 Summeridge Rd, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,192 sqft · built 2004
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Company Names on File
Last Sale	$425,000 (Jun 2024)
Tax Bill	$3,785 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Dec 2018 Mortgage + 12 more
Flood Zone	Zone X (minimal risk)
APN	`157-00-001.000`

Property Details

APN / Parcel Number

Primary APN	`157-00-001.000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,192 sqft Living Area
1st Floor Area	1,154 sqft
Basement Area	2,192 sqft
Finished Basement	2,192 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	126 SUMMERIDGE RD
City	GEORGETOWN
State	KY
Zip	40324-9668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR HILLS
Legal Subdivision	CEDAR HILLS
Legal Phase	2
Legal Lot Number	13
Jurisdiction	SCOTT KY
Township / Civil Division	STAMPING GROUND
Census Block Group	3
Census Block	3000
Census Tract	40502

Owner

126 Summeridge Rd is owned by a company that acquired it in May 2026.

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 Company Names on File
Mailing Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 5, 2018	Deed of Trust, Mortgage · VA Mortgage SOUTH CENTRAL BANK
Oct 22, 2019	Deed of Trust, Mortgage · VA Mortgage SOUTH CENTRAL BANK
Apr 2, 2021	Deed of Trust, Mortgage · VA Mortgage SOUTH CENTRAL BANK
Dec 3, 2015	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 18, 2005	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE BANK FSB
Oct 17, 2016	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 2, 2006	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jun 23, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 25, 2024	Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC
Oct 10, 2023	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 22, 2019	Deed, Transfer
Mar 16, 2015	Special Warranty Deed, Transfer · VA Mortgage USAA FSB
May 18, 2005	Deed, Transfer · Conventional Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2024 · Amount on File
Deed Sale	Jun 25, 2024 · Amount on File
Prior Sale	Oct 10, 2023 · Amount on File
Deed Document Number	2024503244
Deed Book / Page	450 / 83
Last Transfer Date	May 28, 2026
Transfer Doc	0000591483
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1346/555
Date	Jul 10, 2017
Book Page	M1346/555
Instrument	371418

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	352 Months
Due	Nov 1, 2046

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1421/027
Date	Dec 5, 2018
Book Page	M1421/027
Instrument	394425

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	ELIZABETHTOWN, KY 42701

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1468/720
Date	Oct 22, 2019
Book Page	M1468/720
Instrument	406937

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000M1594/1
Date	Apr 2, 2021
Book Page	M1594/1
Instrument	431895

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

December 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1258/565
Date	Dec 3, 2015
Book Page	M1258/565
Instrument	346058

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2045

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M720/362
Date	May 18, 2005
Book Page	M720/362
Instrument	128226

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1305/677
Date	Oct 17, 2016
Book Page	M1305/677
Instrument	361229

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2046

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M788/116
Date	Jun 2, 2006
Book Page	M788/116
Instrument	143134

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	May 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCOTT KY
Recording Date	Jun 23, 2026
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Document Number	0000591483
Book / Page	466 / 658
Instrument Date	May 28, 2026
Instrument	2026591483
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jun 25, 2024
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Document Number	000D450/83
Book / Page	D450 / 83
Map Reference	CAB 7 SL 70
Instrument Date	Jun 20, 2024
Instrument	503244
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Tax	$425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 TRAVIS WAY, GEORGETOWN, KY 40324-0500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 STREETLAND LN, MURRAY, KY 42071-8378

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Oct 10, 2023
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Document Number	000D445/38
Book / Page	D445 / 38
Map Reference	CAB 7 SL 70
Instrument Date	Oct 6, 2023
Instrument	484830
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	PRECISE TITLE SERVICES INC, PRECISE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	243 SUN CRISP PATH, GEORGETOWN, KY 40324-7038
Investor	Possibly a Property Investor

Mortgage

Document Number	0000484831
Date	Oct 10, 2023
Instrument	484831

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Oct 22, 2019
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Document Number	00D409/680
Book / Page	D409 / 680
Map Reference	CAB 7 SL 70
Instrument Date	Oct 4, 2019
Instrument	406936
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 E MAIN ST STE 900, 900, LEXINGTON, KY 40507-2001
Investor	Possibly a Property Investor

March 2015: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SCOTT KY
Recording Date	Mar 16, 2015
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Document Number	00D367/324
Book / Page	D367 / 324
Map Reference	CAB7 SL70
Instrument Date	Feb 27, 2015
Instrument	331396
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	US TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668

Mortgage

Document Number	00M1223274
Date	Mar 16, 2015
Instrument	M1223/274

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2045

May 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	May 18, 2005
Property Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668
Document Number	00D291/538
Book / Page	D291 / 538
Map Reference	CAB7 SL70
Instrument Date	May 13, 2005
Instrument	128224
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26006 ARBOR LAKE DR, BATESVILLE, IN 47006-7427

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	126 SUMMERIDGE RD, GEORGETOWN, KY 40324-9668

Mortgage

Document Number	00M720/337
Date	May 18, 2005
Book Page	M720/337
Instrument	128225

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate
Rate	6.37%
Type Change Date	Jun 1, 2015
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.3%
Index	1-Year LIBOR
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 126 Summeridge Rd was $3,785.

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		$425,000 (-)	$425,000 (-)
2025	$3,785.00	$425,000	$425,000
2023	$2,818.00 (+12.41%)	$310,900 (+7.58%) Land $40,000 Building $270,900	$310,900 (+7.58%) Land $40,000 Building $270,900
2022	$2,507.00	$289,000 Land $40,000 Building $249,000	$289,000 Land $40,000 Building $249,000

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

Flood

FEMA maps place 126 Summeridge Rd 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 126 Summeridge Rd 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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