197 Stephen Dr, Georgetown, KY 40324 Property Records

Scott County property record for 197 Stephen Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,791 sqft · built 2007
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$299,900 (May 2023)
Tax Bill	$2,734 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`188-20-150.000`

Property Details

APN / Parcel Number

Primary APN	`188-20-150.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,791 sqft Living Area

Exterior

Year Built	Built 2007
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Lot Area	7,405 sqft (0.169 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	197 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	89
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 188-20-150.000

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	197 STEPHEN DR, GEORGETOWN, KY 40324-8058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Deed, Transfer · Conventional Mortgage PRIMELENDING
Aug 12, 2022	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 23, 2023 · Amount on Record
Deed Sale	May 23, 2023 · Amount on Record
Prior Sale	Oct 14, 2013 · Amount on Record
Deed Document Number	473096
Deed Book / Page	D442 / 15
Record Updated	Jun 08, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	May 23, 2023
Property Address	197 STEPHEN DR, GEORGETOWN, KY 40324-8058
Document Number	000D442/15
Book / Page	D442 / 15
Map Reference	CAB 9 SL 244
Instrument Date	May 22, 2023
Instrument	473096
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1137 LONDON PL SW, DECATUR, AL 35603-4469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	576 CROMWELL WAY, LEXINGTON, KY 40503-4253

Mortgage

Document Number	0000473099
Date	May 23, 2023
Instrument	473099

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	197 STEPHEN DR, GEORGETOWN, KY 40324-8058
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1705/116
Date	Aug 12, 2022
Book Page	M1705/116
Instrument	457728

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Jun 01, 2051

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	$2,734.00 (+23.93%)	$307,000 (+26.13%)	$307,000 (+26.13%)
2023	$2,206.00 (+17.78%)	$243,400 (+12.74%) Land $45,000 Building $198,400	$243,400 (+12.74%) Land $45,000 Building $198,400
2022	$1,873.00	$215,900 Land $39,000 Building $176,900	$215,900 Land $39,000 Building $176,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 20, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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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