166 W Main St, Georgetown, KY 40324 Property Records

Scott County property record for 166 W Main St, Georgetown, KY 40324

Property Summary

Property Type	Commercial
Details	10,000 sqft · built 1962
Lot Size	0.359 acres (15,655 sqft)
Owner	Company Name on File
Last Sale	$450,000 (Dec 2020)
Tax Bill	$7,039 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`166-30-227.000`

Property Details

APN / Parcel Number

Primary APN	`166-30-227.000`

Interior

Stories	1 Story
Building Area	10,000 sqft Total Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Concrete Block
Foundation Type	Concrete
Lot Area	15,655 sqft (0.359 acres)
Garage Area	10,000 sqft
Parking Spaces	32 Parking Spaces

Location & Zoning

Street Address	166 W MAIN ST
City	GEORGETOWN
State	KY
Zip	40324-1368
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	COMM DOWNTOWN
Legal Lot Number	L,1&2
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2000
Census Tract	40208

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Main Street Historic Commercial District (Boundary Increase) listed 1982 · 36 contributing resources · NRIS 82002743

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

166 W Main St, a commercial property, is owned by a company that bought it in December 2020.

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

Owner of Record	Company Name on File
Mailing Address	112 S WATER ST, GEORGETOWN, KY 40324-1339
Owner Type	Company
Vesting	Company

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
Nov 8, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC
Dec 14, 2020	Deed, Transfer WHITAKER BANK INC
Jun 17, 2019	Deed, Transfer · Commercial Mortgage REPUBLIC BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	Jun 17, 2019 · Amount on File
Deed Document Number	2020425440
Deed Book / Page	420 / 249
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	166 W MAIN ST, GEORGETOWN, KY 40324-1368
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1367/054
Date	Nov 8, 2017
Book Page	M1367/054
Instrument	377431

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 6, 2037

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Dec 14, 2020
Property Address	166 W MAIN ST, GEORGETOWN, KY 40324-1368
Document Number	00D420/249
Book / Page	D420 / 249
Map Reference	MB 406 PG 355
Instrument Date	Dec 14, 2020
Instrument	425440
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1135 LEXINGTON RD, GEORGETOWN, KY 40324-9321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1135 LEXINGTON RD STE G, G, GEORGETOWN, KY 40324-1595
Investor	Possibly a Property Investor

Mortgage

Document Number	00M1565/87
Date	Dec 14, 2020
Book Page	M1565/87
Instrument	425441

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Amount	Amount on Record
Term	12 Months
Due	Dec 14, 2021

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jun 17, 2019
Property Address	166 W MAIN ST, GEORGETOWN, KY 40324-1368
Document Number	D406/355
Book / Page	D406 / 355
Instrument Date	Jun 12, 2019
Instrument	401245
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1024, GEORGETOWN, KY 40324-6024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1135 LEXINGTON RD STE G, G, GEORGETOWN, KY 40324-1595

Mortgage

Document Number	0M1445/162
Date	Jun 17, 2019
Book Page	M1445/162
Instrument	401246

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Dec 12, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 166 W Main St was $7,039.

Source: Scott County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Scott County
Municipality	Georgetown City
Unified School District	Scott County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$790,300 (-)	$790,300 (-)
2025	$7,039.00	$790,300	$790,300
2023	$4,080.00 (+4.51%)	$450,000 (-) Land $350,000 Building $100,000	$450,000 (-) Land $350,000 Building $100,000
2022	$3,904.00	$450,000 Land $350,000 Building $100,000	$450,000 Land $350,000 Building $100,000

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

Flood

FEMA maps place 166 W Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 20, 2022

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 166 W Main St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 442 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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