Scott County property record for 186 Stephen Dr, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,625 sqft · built 2013 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Apr 2018) |
| Tax Bill | $1,841 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 188-20-125.000 |
| Primary APN | 188-20-125.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,625 sqft Living Area |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 186 STEPHEN DR |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLEASANT VALLEY |
| Legal Subdivision | PLEASANT VALLEY |
| Legal Phase | 2 |
| Legal Lot Number | 101 |
| Legal Unit | 1 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 40303 |
Source: Scott County records, as of January 19, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 186 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2020 | Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP |
| Apr 26, 2018 | Deed, Transfer · VA Mortgage STOCKTON MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2018 · Amount on Record |
| Deed Sale | Apr 26, 2018 · Amount on Record |
| Prior Sale | Oct 1, 2014 · Amount on Record |
| Deed Document Number | 000D396839 |
| Deed Book / Page | D396 / 839 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 186 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PRECISE TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | M1501/375 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | M1501/375 |
| Instrument | 414551 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Apr 26, 2018 |
| Property Address | 186 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Document Number | D396/839 |
| Book / Page | D396 / 839 |
| Map Reference | CAB9 SL244 |
| Instrument Date | Apr 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3848 CINCINNATI RD, 3848, GEORGETOWN, KY 40324-8979 |
| Name | Verified Name |
|---|---|
| Address | 186 STEPHEN DR, GEORGETOWN, KY 40324-8058 |
| Document Number | 385830 |
|---|---|
| Date | Apr 26, 2018 |
| Instrument | 385830 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
Source: Scott County assessment roll, as of April 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,841.00 (-13.28%) Homeowner's exemption | $255,900 (+9.27%) | $255,900 (+9.27%) |
| 2023 | $2,123.00 (+19.61%) | $234,200 (+14.47%) Land $45,000 Building $189,200 | $234,200 (+14.47%) Land $45,000 Building $189,200 |
| 2022 | $1,775.00 | $204,600 Land $39,000 Building $165,600 | $204,600 Land $39,000 Building $165,600 |
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 |
|---|---|
| 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 239 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 |
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