189 Stephen Dr, Georgetown, KY 40324 Property Records

Scott County property record for 189 Stephen Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,050 sqft · built 2007
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Sep 2016)
Tax Bill	$2,582 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`188-20-149.000`

Property Details

APN / Parcel Number

Primary APN	`188-20-149.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,050 sqft Living Area

Exterior

Year Built	Built 2007
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	189 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	85
Legal Unit	1
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1053
Census Tract	40303

Owner

Source: Scott County records · APN 188-20-149.000

Assessment roll updated April 1, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	189 STEPHEN DR, GEORGETOWN, KY 40324-8058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
May 05, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 09, 2016 · Amount on Record
Deed Sale	Sep 09, 2016 · Amount on Record
Prior Sale	Oct 03, 2011 · Amount on Record
Deed Document Number	359883
Deed Book / Page	D380 / 776
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	189 STEPHEN DR, GEORGETOWN, KY 40324-8058
Transaction Type	Mortgage
Record Updated	Oct 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1640/141
Date	Sep 22, 2021
Book Page	M1640/141
Instrument	442782

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	189 STEPHEN DR, GEORGETOWN, KY 40324-8058
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1603/633
Date	May 05, 2021
Book Page	M1603/633
Instrument	435067

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	189 STEPHEN DR, GEORGETOWN, KY 40324-8058
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1591/858
Date	Mar 25, 2021
Book Page	M1591/858
Instrument	431245

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 01, 2041

Tax Assessment & Valuation

Source: Scott County records · Assessment roll updated April 1, 2025 · Last verified January 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,582.00 (+6.87%)	$289,900 (+8.78%)	$289,900 (+8.78%)
2023	$2,416.00 (+18.08%)	$266,500 (+12.97%) Land $45,000 Building $221,500	$266,500 (+12.97%) Land $45,000 Building $221,500
2022	$2,046.00	$235,900 Land $39,000 Building $196,900	$235,900 Land $39,000 Building $196,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Scott County (21209C), as of November 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212090403031, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 239 locations within half a mile of this property.

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