128 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 128 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 2003
Lot Size	0.214 acres (9,350 sqft)
Owner	2 Individual Names on Record
Last Sale	$298,000 (Nov 2024)
Tax Bill	$2,654 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`061-00-086.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-086.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,706 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Foundation Type	Block
Lot Area	9,350 sqft (0.214 acres)
Garage Type	Attached
Garage Area	559 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	128 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	183
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	300 QUINTON CT, 6303, LEXINGTON, KY 40509-2670
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 4, 2023	Deed, Transfer · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2024 · Amount on Record
Deed Sale	Nov 14, 2024 · Amount on Record
Prior Sale	Mar 31, 2023 · Amount on Record
Deed Document Number	2024516459
Deed Book / Page	453 / 387
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT KY
Recording Date	Mar 31, 2023
Property Address	128 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	00D440/871
Book / Page	D440 / 871
Map Reference	CAB 7 SL 27
Instrument Date	Mar 24, 2023
Instrument	469968
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	METRO TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3854 IRON WORKS RD, GEORGETOWN, KY 40324-8653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	0000469972
Date	Mar 31, 2023
Instrument	469972

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jan 4, 2023
Property Address	128 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	00D439/340
Book / Page	D439 / 340
Map Reference	CAB 7 SL 27
Instrument Date	Dec 20, 2022
Instrument	464884
Transaction Type	Transfer
Record Updated	Jan 20, 2026

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	129 N BOLD FORBES BLVD, GEORGETOWN, KY 40324-2555

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3584 IRON WORKS RD, GEORGETOWN, KY 40324-9424

Mortgage

Document Number	0000464885
Date	Jan 4, 2023
Instrument	464885

Lender

Name	CUMBERLAND VALLEY NATL BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$298,000 (-)	$298,000 (-)
2025	$2,654.00 (+37.73%)	$298,000 (+40.17%)	$298,000 (+40.17%)
2023	$1,927.00	$212,600 Land $28,000 Building $184,600	$212,600 Land $28,000 Building $184,600

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

Nearby Properties on Prater Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures