Scott County property record for 138 Inverness Dr, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,153 sqft · built 2017 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,411 (Oct 2017) |
| Tax Bill | $3,184 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 138-40-281.000 |
| Primary APN | 138-40-281.000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,153 sqft Living Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 9,148 sqft (0.21 acres) |
| Street Address | 138 INVERNESS DR |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8686 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAYNES LANDING D |
| Legal Subdivision | PAYNES LANDING D |
| Legal Lot Number | 55 |
| Legal Unit | 5 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 40604 |
138 Inverness Dr is owned and occupied by two individuals who bought it in October 2017.
Source: Scott County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 138 INVERNESS DR, GEORGETOWN, KY 40324-8686 |
| 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.
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Oct 9, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 11, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 17, 2017 | Deed, Subdivision Related Transfer · VA Mortgage AMERICAN MORTGAGE SERVICE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2017 · Amount on File |
| Deed Sale | Oct 17, 2017 · Amount on File |
| Deed Document Number | 2017376166 |
| Deed Book / Page | 391 / 531 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Apr 22, 2026 |
| Property Address | 138 INVERNESS DR, GEORGETOWN, KY 40324-8686 |
| Document Number | 0000582418 |
| Book / Page | 1893 / 356 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026582418 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 138 INVERNESS DR, GEORGETOWN, KY 40324-8686 |
| Document Number | 0000582418, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 1893/356 |
| Instrument | 2026582418 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 138 INVERNESS DR, GEORGETOWN, KY 40324-8686 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 00M1548/20 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | M1548/20 |
| Instrument | 422718 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 138 INVERNESS DR, GEORGETOWN, KY 40324-8686 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M1671/564 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | M1671/564 |
| Instrument | 450535 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Oct 17, 2017 |
| Property Address | 138 INVERNESS DR, GEORGETOWN, KY 40324-8686 |
| Document Number | 00D391/531 |
| Book / Page | D391 / 531 |
| Map Reference | CAB9 SL189 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 376166 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 2, 2023 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3609 WALDEN DR, LEXINGTON, KY 40517-2020 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 138 INVERNESS DR, GEORGETOWN, KY 40324-8686 |
| Document Number | 0M1363/111 |
|---|---|
| Date | Oct 17, 2017 |
| Book Page | M1363/111 |
| Instrument | 376167 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 138 Inverness Dr was $3,184 with a homeowner's exemption.
Source: Scott County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Scott County |
| Municipality | Georgetown City |
| Unified School District | Scott County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $406,600 (-) | $406,600 (-) | |
| 2025 | $3,184.00 Homeowner's exemption | $406,600 | $406,600 |
| 2023 | $3,038.00 (+16.22%) Homeowner's exemption | $381,500 (+11.58%) Land $55,000 Building $326,500 | $381,500 (+11.58%) Land $55,000 Building $326,500 |
| 2022 | $2,614.00 Homeowner's exemption | $341,900 Land $50,000 Building $291,900 | $341,900 Land $50,000 Building $291,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 138 Inverness Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 138 Inverness 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures