Scott County property record for 178 Waterside Dr, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Mar 2024) |
| Tax Bill | $3,340 (2025) |
| Deeds & Mortgages | Nov 2020 Construction Loan Jun 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 189-20-180.071 |
| Primary APN | 189-20-180.071 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,729 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Lot Area | 7,841 sqft (0.18 acres) |
| Street Address | 178 WATERSIDE DR |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VIALLAGE AT LANES RUN |
| Legal Subdivision | VILLAGE AT LANES RUN |
| Legal Lot Number | 47 |
| 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.
Source: Scott County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2020 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES EXCHANGE BANK (STANTON KY |
| Jun 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC |
| May 13, 2022 | Deed of Trust, Mortgage · Commercial Mortgage KUE FCU |
| Apr 14, 2025 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Nov 21, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 5, 2024 | Deed, Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Sep 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2024 · Amount on Record |
| Deed Sale | Mar 5, 2024 · Amount on Record |
| Prior Sale | Sep 29, 2022 · Amount on Record |
| Deed Document Number | 2024494460 |
| Deed Book / Page | 447 / 627 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1555/763 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | M1555/763 |
| Instrument | 424068 |
| Name | PEOPLES EXCHANGE BANK (STANTON KY |
|---|---|
| Type | Bank |
| Address | GEORGETOWN, KY 40324 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 3, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0M1618/420 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | M1618/420 |
| Instrument | 438225 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEAWOOD, KS 66211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | JETT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0M1688/854 |
|---|---|
| Date | May 13, 2022 |
| Book Page | M1688/854 |
| Instrument | 454384 |
| Name | KUE FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40507 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 28, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1831/487 |
|---|---|
| Date | Apr 14, 2025 |
| Book Page | M1831/487 |
| Instrument | 535638 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 0M1811/431 |
|---|---|
| Date | Nov 21, 2024 |
| Book Page | M1811/431 |
| Instrument | 517195 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Mar 5, 2024 |
| Property Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 00D447/627 |
| Book / Page | D447 / 627 |
| Map Reference | CAB 12 SL 309 |
| Instrument Date | Feb 27, 2024 |
| Instrument | 494460 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | TRIDENT TITLE LLC, TRIFECTA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Name | Verified Name |
|---|---|
| Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 0000494463 |
|---|---|
| Date | Mar 5, 2024 |
| Instrument | 494463 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Sep 29, 2022 |
| Property Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 00D437/401 |
| Book / Page | D437 / 401 |
| Map Reference | CAB 12 SL 309 |
| Instrument Date | Sep 19, 2022 |
| Instrument | 459587 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 171 HWY, MC KEE, KY 40447 |
| Name | Verified Name |
|---|---|
| Address | 178 WATERSIDE DR, GEORGETOWN, KY 40324-8518 |
| Document Number | 0000459588 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 459588 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
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 | $375,000 (-) | $375,000 (-) | |
| 2025 | $3,340.00 (+5.26%) | $375,000 (+7.14%) | $375,000 (+7.14%) |
| 2023 | $3,173.00 (+27.38%) | $350,000 (+21.89%) Land $47,500 Building $302,500 | $350,000 (+21.89%) Land $47,500 Building $302,500 |
| 2022 | $2,491.00 | $287,150 Land $42,000 Building $245,150 | $287,150 Land $42,000 Building $245,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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