Scott County property record for 177 Waterside Dr, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,952 sqft · built 2020 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $563,000 (Sep 2026) |
| Tax Bill | $3,632 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Dec 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 189-20-180.075 |
| Primary APN | 189-20-180.075 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,952 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Lot Area | 9,583 sqft (0.22 acres) |
| Street Address | 177 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 | 51 |
| 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.
177 Waterside Dr is owned and occupied by an individual who bought it in September 2026.
Source: Scott County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 177 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
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, Transfer · Conventional Mortgage GUARANTEED RATE |
| Dec 16, 2020 | Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO |
| Jul 7, 2020 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES EXCHANGE BANK (STANTON KY |
| Oct 23, 2025 | Deed, Subdivision Related Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Nov 5, 2020 | Deed, Subdivision Related Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2026 · Amount on File |
| Deed Sale | Sep 28, 2026 · Amount on File |
| Deed Document Number | 2026604111 |
| Deed Book / Page | 469 / 54 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Sep 28, 2026 |
| Property Address | 177 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 0000604111 |
| Book / Page | 469 / 54 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 2026604111 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $56,863.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 177 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 0000604111, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 1920/477 |
| Instrument | 2026604111 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 177 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1565/768 |
|---|---|
| Date | Dec 16, 2020 |
| Book Page | M1565/768 |
| Instrument | 425617 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Nov 24, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 177 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1522/374 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | M1522/374 |
| Instrument | 418317 |
| Name | PEOPLES EXCHANGE BANK (STANTON KY |
|---|---|
| Type | Bank |
| Address | GEORGETOWN, KY 40324 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Jun 25, 2021 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Oct 23, 2025 |
| Property Address | 177 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 00D461/597 |
| Book / Page | D461 / 597 |
| Map Reference | CAB 13 SL 205 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 559691 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $425.00 |
| 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 | 166 OXFORD LANDING DR, GEORGETOWN, KY 40324-8671 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Nov 5, 2020 |
| Property Address | 177 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 00D419/195 |
| Book / Page | D419 / 195 |
| Map Reference | CAB 12 SL 309 |
| Instrument Date | Nov 4, 2020 |
| Instrument | 423876 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $314.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 MORGAN CT, GEORGETOWN, KY 40324-9199 |
| Name | Verified Name |
|---|---|
| Address | 177 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Investor | Possibly a Property Investor |
| Document Number | 0000423877 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 423877 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Index | 6-Month T-Bill |
|---|
The 2025 property tax bill for 177 Waterside Dr was $3,632.
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 | $407,800 (-) | $407,800 (-) | |
| 2025 | $3,632.00 | $407,800 | $407,800 |
| 2023 | $3,002.00 (+4.78%) | $331,200 (+0.28%) Land $47,500 Building $283,700 | $331,200 (+0.28%) Land $47,500 Building $283,700 |
| 2022 | $2,865.00 | $330,267 Land $42,167 Building $288,100 | $330,267 Land $42,167 Building $288,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 177 Waterside Dr 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 · 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 100 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 177 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: 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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