133 Prater Dr, Georgetown, KY 40324 Property Records

Scott County property record for 133 Prater Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,567 sqft · built 2003
Lot Size	0.216 acres (9,440 sqft)
Owner	2 Individual Names on File
Last Sale	$339,950 (Jan 2023)
Tax Bill	$2,314 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061-00-122.001`

Property Details

APN / Parcel Number

Primary APN	`061-00-122.001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,567 sqft Living Area
1st Floor Area	1,567 sqft
Basement Area	1,567 sqft
Unfinished Basement	1,567 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	9,440 sqft (0.216 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	133 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	158
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	3
Census Block	3011
Census Tract	40605

Owner

133 Prater Dr is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	133 PRATER DR, GEORGETOWN, KY 40324-8663
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 13, 2023	Deed, Transfer · Conventional Mortgage SOUTH CENTRAL BANK
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK
May 17, 2021	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2023 · Amount on File
Deed Sale	Jan 13, 2023 · Amount on File
Prior Sale	Feb 23, 2011 · Amount on File
Deed Document Number	2023465703
Deed Book / Page	439 / 544
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jan 13, 2023
Property Address	133 PRATER DR, GEORGETOWN, KY 40324-8663
Document Number	00D439/544
Book / Page	D439 / 544
Map Reference	CAB 7 SL 27
Instrument Date	Jan 6, 2023
Instrument	465703
Transaction Type	Transfer
Record Updated	Jan 27, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 LNVERNESS DRIVE, GEORGETOWN, KY 40324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 PRATER DR, GEORGETOWN, KY 40324-8663

Mortgage

Document Number	0000465704
Date	Jan 13, 2023
Instrument	465704

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	133 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1581/809
Date	Feb 19, 2021
Book Page	M1581/809
Instrument	428787

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	NIAGARA FALLS, NY 14303

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	133 PRATER DR, GEORGETOWN, KY 40324-8663
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	HIGH STREET TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1607/511
Date	May 17, 2021
Book Page	M1607/511
Instrument	435716

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 16, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 133 Prater Dr was $2,314.

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		$259,800 (-)	$259,800 (-)
2025	$2,314.00	$259,800	$259,800
2023	$2,068.00	$228,100 Land $28,000 Building $200,100	$228,100 Land $28,000 Building $200,100

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

Flood

FEMA maps place 133 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 133 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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