Scott County property record for 224 Harmony Ridge Dr, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,884 sqft · built 2005 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $227,000 (Nov 2018) |
| Tax Bill | $2,464 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192-10-070.000 |
| Primary APN | 192-10-070.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,884 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 1,884 sqft |
| Unfinished Basement | 1,884 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 224 HARMONY RIDGE DR |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-9688 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARMONY RIDGE |
| Legal Subdivision | HARMONY RIDGE |
| Legal Phase | 1B |
| Legal Lot Number | 162 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 40205 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 224 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Nov 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK |
| Nov 7, 2018 | Deed, Transfer NONE AVAILABLEI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2018 · Amount on Record |
| Deed Sale | Nov 7, 2018 · Amount on Record |
| Prior Sale | Jul 29, 2008 · Amount on Record |
| Deed Document Number | 2018393705 |
| Deed Book / Page | 401 / 528 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Apr 21, 2026 |
| Property Address | 224 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688 |
| Document Number | 0000582320 |
| Book / Page | 1893 / 247 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026582320 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 224 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688 |
| Document Number | 0000582320, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 1893/247 |
| Instrument | 2026582320 |
| Name | COMMONWEALTH CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 224 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1610/405 |
|---|---|
| Date | May 28, 2021 |
| Book Page | M1610/405 |
| Instrument | 436417 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 224 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1417/731 |
|---|---|
| Date | Nov 7, 2018 |
| Book Page | M1417/731 |
| Instrument | 393706 |
| Name | PEOPLES EXCHANGE BANK |
|---|---|
| Type | Bank |
| Address | WINCHESTER, KY 40392 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Nov 7, 2018 |
| Property Address | 224 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688 |
| Document Number | D401/528 |
| Book / Page | D401 / 528 |
| Map Reference | CAB8 SL175 |
| Instrument Date | Nov 6, 2018 |
| Instrument | 393705 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Title Company | NONE AVAILABLEI |
| Amount | Amount Recorded |
|---|---|
| Tax | $227.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3204 PERRYVILLE RD, 3204, DANVILLE, KY 40422-9703 |
| Name | Verified Name |
|---|---|
| Address | 224 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688 |
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 | $276,700 (-) | $276,700 (-) | |
| 2025 | $2,464.00 (+7.65%) | $276,700 (+9.58%) | $276,700 (+9.58%) |
| 2023 | $2,289.00 (+15.26%) | $252,500 (+10.26%) Land $33,000 Building $219,500 | $252,500 (+10.26%) Land $33,000 Building $219,500 |
| 2022 | $1,986.00 | $229,000 Land $33,000 Building $196,000 | $229,000 Land $33,000 Building $196,000 |
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 | 2 in force |
| Nearby Flood Claims | 10 (2008–2015) |
| Claims Outside the SFHA | 1 of 10 |
| Most Recent Claim | Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GEORGETOWN MUNICIPAL WATER SERVICE serves 44,608 people · EPA ID KY1050157 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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