Scott County property record for 2445 Cincinnati Rd, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,268 sqft · built 2012 |
| Lot Size | 3.13 acres (136,561 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (May 2023) |
| Tax Bill | $3,019 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit May 2021 Mortgage + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 161-10-043.000 |
| Primary APN | 161-10-043.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,268 sqft Living Area |
| 1st Floor Area | 1,438 sqft |
| Basement Area | 2,268 sqft |
| Unfinished Basement | 2,268 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Lot Area | 136,561 sqft (3.13 acres) |
| Garage Type | Attached |
| Garage Area | 582 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2445 CINCINNATI RD |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8945 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTY RES |
| Legal Subdivision | MINOR SUB THURMAN N SOUTHWORTH |
| Legal Lot Number | 2 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | STAMPING GROUND |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 40502 |
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 | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2018 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP |
| Nov 1, 2021 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| May 8, 2024 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Apr 17, 2025 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Mar 4, 2014 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Jun 19, 2013 | Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK & TRUST |
| Aug 26, 2016 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Jul 24, 2023 | Affidavit, Transfer |
| Aug 2, 2011 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2023 · Amount on Record |
| Deed Sale | May 19, 2023 · Amount on Record |
| Prior Sale | Aug 2, 2011 · Amount on Record |
| Deed Document Number | 2023472896 |
| Deed Book / Page | 441 / 836 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1405/372 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | M1405/372 |
| Instrument | 390192 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M1607/60 |
|---|---|
| Date | May 14, 2021 |
| Book Page | M1607/60 |
| Instrument | 435664 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M1650/99 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | M1650/99 |
| Instrument | 444831 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | 40609 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1782/134 |
|---|---|
| Date | May 8, 2024 |
| Book Page | M1782/134 |
| Instrument | 499532 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1832/391 |
|---|---|
| Date | Apr 17, 2025 |
| Book Page | M1832/391 |
| Instrument | 536169 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1179/246 |
|---|---|
| Date | Mar 4, 2014 |
| Book Page | M1179/246 |
| Instrument | 315535 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 3, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1145/861 |
|---|---|
| Date | Jun 19, 2013 |
| Book Page | M1145/861 |
| Instrument | 298921 |
| Name | UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | GEORGETOWN, KY 40324 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1297/337 |
|---|---|
| Date | Aug 26, 2016 |
| Book Page | M1297/337 |
| Instrument | 359474 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Jul 24, 2023 |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Document Number | 00MC60/256 |
| Book / Page | MC60 / 256 |
| Instrument Date | Jun 14, 2023 |
| Instrument | 477133 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Aug 2, 2011 |
| Property Address | 2445 CINCINNATI RD, GEORGETOWN, KY 40324-8945 |
| Document Number | 00D339/307 |
| Book / Page | D339 / 307 |
| Map Reference | CAB1 SL402 |
| Instrument Date | Aug 1, 2011 |
| Instrument | 213667 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 3870, MIDWAY, KY 40347-3870 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 108 SHEPPARD CT, GEORGETOWN, KY 40324-8902 |
Source: Scott County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Scott County |
| Unified School District | Scott County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $362,600 (+6.96%) | $362,600 (+6.96%) | |
| 2025 | $3,019.00 (+3.25%) | $339,000 (+5.12%) | $339,000 (+5.12%) |
| 2023 | $2,924.00 | $322,500 Land $66,400 Building $256,100 | $322,500 Land $66,400 Building $256,100 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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