318 Chambers Ave, Georgetown, KY 40324 Property Records

Scott County property record for 318 Chambers Ave, Georgetown, KY 40324

Property Summary

Property Type	Exempt (Full or Partial)
Details	3,352 sqft · built 1921
Lot Size	0.234 acres (10,202 sqft)
Owner	Company Name on Record
Last Sale	$335,000 (Feb 2026)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`166-40-115.000`

Property Details

APN / Parcel Number

Primary APN	`166-40-115.000`

Interior

Stories	1 Story
Building Area	3,352 sqft Total Area
1st Floor Area	2,514 sqft
Basement Area	3,352 sqft
Unfinished Basement	3,352 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Brick
Lot Area	10,202 sqft (0.234 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	318 CHAMBERS AVE
City	GEORGETOWN
State	KY
Zip	40324-1872
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Description	EXEMPT RELIGION
Legal Subdivision	EXEMPT RELIGION
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2030
Census Tract	40101

Owner

Source: Scott County records, as of April 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	129 LOCUST RIDGE RD, FRANKFORT, KY 40601-1470
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Non-Conforming Investor Loan WHITAKER BANK INC
Feb 24, 2026	Deed of Trust, Mortgage · Non-Conforming Investor Loan WHITAKER BANK INC
May 2, 2023	Deed of Trust, Mortgage · Construction Mortgage TRADITIONAL BANK INC
Feb 14, 2023	Deed of Trust, Mortgage · Commercial Mortgage TRADITIONAL BANK INC
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST
Apr 23, 2021	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2026 · Amount on Record
Deed Sale	Feb 24, 2026 · Amount on Record
Deed Document Number	2026574706
Deed Book / Page	464 / 164
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	318 CHAMBERS AVE, GEORGETOWN, KY 40324-1872
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 LOCUST RIDGE RD, FRANKFORT, KY 40601-1470

Mortgage

Document Number	0M1884/190
Date	Feb 24, 2026
Book Page	M1884/190
Instrument	574707

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	120 Months
Due	Feb 23, 2036

Interest

Rate Type	Adjustable Rate

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	318 CHAMBERS AVE, GEORGETOWN, KY 40324-1872
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 LOCUST RIDGE RD, FRANKFORT, KY 40601-1470

Mortgage

Document Number	0M1884/190
Date	Feb 24, 2026
Book Page	M1884/190
Instrument	574707

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	120 Months
Due	Feb 23, 2036

Interest

Rate Type	Adjustable Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	318 CHAMBERS AVE, GEORGETOWN, KY 40324-1872
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1737/622
Date	May 2, 2023
Book Page	M1737/622
Instrument	472054

Lender

Name	TRADITIONAL BANK INC
Type	Bank
Address	LEXINGTON, KY 40509

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	35 Months
Due	Apr 26, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	318 CHAMBERS AVE, GEORGETOWN, KY 40324-1872
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1728/593
Date	Feb 14, 2023
Book Page	M1728/593
Instrument	467494

Lender

Name	TRADITIONAL BANK INC
Type	Bank
Address	LEXINGTON, KY 40509

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 13, 2033

Interest

Rate Type	Adjustable Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	318 CHAMBERS AVE, GEORGETOWN, KY 40324-1872
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1711/733
Date	Sep 23, 2022
Book Page	M1711/733
Instrument	459365

Lender

Name	REPUBLIC BANK & TRUST
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	318 CHAMBERS AVE, GEORGETOWN, KY 40324-1872
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1600/301
Date	Apr 23, 2021
Book Page	M1600/301
Instrument	434018

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 19, 2026

Tax Assessment & Valuation

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
2025	Additional exemption filed
2023	Additional exemption filed	$344,250 Land $30,000 Building $314,250	$344,250 Land $30,000 Building $314,250

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

Flood

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	5 in force

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

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

Wildfire Risk	Not rated no burnable land within 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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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