232 Harmony Ridge Dr, Georgetown, KY 40324 Property Records

Scott County property record for 232 Harmony Ridge Dr, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 2,122 sqft · built 2005
Lot Size	0.165 acres (7,187 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Aug 2022)
Tax Bill	$3,443 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192-10-049.000`

Property Details

APN / Parcel Number

Primary APN	`192-10-049.000`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,122 sqft Living Area
1st Floor Area	1,240 sqft
Basement Area	2,122 sqft
Unfinished Basement	2,122 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Lot Area	7,187 sqft (0.165 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	232 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	158
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1007
Census Tract	40205

Owner

232 Harmony Ridge Dr is owned and occupied by two individuals who bought it in August 2022.

Source: Scott County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	232 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on File
Deed Sale	Aug 30, 2022 · Amount on File
Prior Sale	Apr 14, 2009 · Amount on File
Deed Document Number	2022458541
Deed Book / Page	436 / 641
Prior Transfer Date	Jan 21, 2009
Prior Transfer Doc	D324/122
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Aug 30, 2022
Property Address	232 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688
Document Number	00D436/641
Book / Page	D436 / 641
Map Reference	CAB 5 SL 175
Instrument Date	Aug 26, 2022
Instrument	458541
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 HARMONY RIDGE DR, 232, GEORGETOWN, KY 40324-9688

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	232 HARMONY RIDGE DR, GEORGETOWN, KY 40324-9688

Mortgage

Document Number	0000458542
Date	Aug 30, 2022
Instrument	458542

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 232 Harmony Ridge Dr was $3,443.

Source: Scott County assessment roll, as of January 21, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$409,000 (+5.79%)	$409,000 (+5.79%)
2025	$3,443.00	$386,600	$386,600
2023	$3,092.00 (+52.02%)	$341,100 (+45.46%) Land $33,000 Building $308,100	$341,100 (+45.46%) Land $33,000 Building $308,100
2022	$2,034.00	$234,500 Land $33,000 Building $201,500	$234,500 Land $33,000 Building $201,500

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

Flood

FEMA maps place 232 Harmony Ridge Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2008.

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	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 6 claims

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.

Wildfire

Wildfire risk around 232 Harmony Ridge Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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