Scott County property record for 176 Waterside Dr, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,904 sqft · built 2020 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,858 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 189-20-180.070 |
| Primary APN | 189-20-180.070 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,904 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Lot Area | 7,841 sqft (0.18 acres) |
| Street Address | 176 WATERSIDE DR |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAGE AT LANES RUN |
| Legal Subdivision | VILLAGE AT LANES RUN |
| Legal Lot Number | 46 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 40302 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lane's Run Historic District listed 1984 · 18 contributing resources · NRIS 84001986 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
176 Waterside Dr is owned and occupied by an individual.
Source: Scott County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 176 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| 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 |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 5, 2023 | Deed, Transfer · Commercial Mortgage SOUTH CENTRAL BANK |
| Dec 28, 2021 | Deed, Construction Loan · Construction Mortgage AMERICAN MORTGAGE SERVICES COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Sep 28, 2026 |
| Property Address | 176 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 0000604257 |
| Book / Page | 1920 / 581 |
| Instrument Date | Sep 19, 2026 |
| Instrument | 2026604257 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 176 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 0000604257, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 1920/581 |
| Instrument | 2026604257 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Dec 5, 2023 |
| Property Address | 176 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 000D446/91 |
| Book / Page | D446 / 91 |
| Map Reference | CAB 13 SL 290 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 488949 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $70.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 523 WELLINGTON WAY STE 160, 160, LEXINGTON, KY 40503-1390 |
| Name | Verified Name |
|---|---|
| Address | 1021 MAJESTIC DR STE 310, 310, LEXINGTON, KY 40513-1873 |
| Investor | Possibly a Property Investor |
| Document Number | 0000488950 |
|---|---|
| Date | Dec 5, 2023 |
| Instrument | 488950 |
| Name | SOUTH CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 4, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Dec 28, 2021 |
| Property Address | 176 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 00D430/477 |
| Book / Page | D430 / 477 |
| Instrument Date | Dec 23, 2021 |
| Instrument | 448012 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 29, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4662 IRONBRIDGE DR, LEXINGTON, KY 40515-5040 |
| Name | Verified Name |
|---|---|
| Address | 176 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 0000448013 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 448013 |
| Name | AMERICAN MORTGAGE SERVICES COMPANY |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 176 Waterside Dr was $2,858.
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 | $320,900 (-) | $320,900 (-) | |
| 2025 | $2,858.00 | $320,900 | $320,900 |
| 2023 | $2,723.00 (+4.49%) | $300,383 (-) Land $47,500 Building $252,883 | $300,383 (-) Land $47,500 Building $252,883 |
| 2022 | $2,606.00 | $300,383 Land $43,000 Building $257,383 | $300,383 Land $43,000 Building $257,383 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 176 Waterside 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 176 Waterside 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.
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 |
| 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 409 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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