190 Stephen Dr, Georgetown, KY 40324 Property Records

Scott County property record for 190 Stephen Dr, Georgetown, KY 40324 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,412 sqft · built 2013
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$179,900 (Jul 2018)
Tax Bill	$2,067 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`188-20-123.000`

Property Details

APN / Parcel Number

Primary APN	`188-20-123.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area

Exterior

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	376 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	190 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	99
Legal Unit	1
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1062
Census Tract	40303

Owner

Source: Scott County records · APN 188-20-123.000

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
Mailing Address	190 STEPHEN DR, GEORGETOWN, KY 40324-8058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jun 08, 2017	Deed of Trust, Mortgage · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jul 03, 2018	Deed, Transfer · VA Mortgage NAVY FCU
Jun 08, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 03, 2018 · Amount on Record
Deed Sale	Jul 03, 2018 · Amount on Record
Prior Sale	Jun 08, 2017 · Amount on Record
Deed Document Number	388383
Deed Book / Page	D398 / 620
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	190 STEPHEN DR, GEORGETOWN, KY 40324-8058
Transaction Type	Mortgage
Record Updated	Nov 03, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1646/518
Date	Oct 18, 2021
Book Page	M1646/518
Instrument	444144

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	190 STEPHEN DR, GEORGETOWN, KY 40324-8058
Transaction Type	Mortgage
Record Updated	Feb 07, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1341/239
Date	Jun 08, 2017
Book Page	M1341/239
Instrument	369768

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2047

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jul 03, 2018
Property Address	190 STEPHEN DR, GEORGETOWN, KY 40324-8058
Document Number	D398/620
Book / Page	D398 / 620
Map Reference	CAB9 SL244
Instrument Date	Jun 29, 2018
Instrument	388383
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 POST OAK PATH, 107, GEORGETOWN, KY 40324-8847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 STEPHEN DR, GEORGETOWN, KY 40324-8058

Mortgage

Document Number	388384
Date	Jul 03, 2018
Instrument	388384

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2048

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jun 08, 2017
Property Address	190 STEPHEN DR, GEORGETOWN, KY 40324-8058
Document Number	D387/760
Book / Page	D387 / 760
Map Reference	CAB9 SL244
Instrument Date	May 31, 2017
Instrument	369767
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Tax	$162.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 JOSHUA, 23, MILLBROOK, AL 36054

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	190 STEPHEN DR, GEORGETOWN, KY 40324-8058

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	$2,067.00 (+7.32%)	$232,100 (+9.22%)	$232,100 (+9.22%)
2023	$1,926.00 (+16.23%)	$212,500 (+11.26%) Land $45,000 Building $167,500	$212,500 (+11.26%) Land $45,000 Building $167,500
2022	$1,657.00	$191,000 Land $39,000 Building $152,000	$191,000 Land $39,000 Building $152,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Scott County (21209C), updated November 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212090403031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 239 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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