3192 Frankfort Rd, Georgetown, KY 40324 Property Records

Scott County property record for 3192 Frankfort Rd, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,154 sqft · built 1977
Lot Size	5.07 acres (221,023 sqft)
Owner	2 Individual Names on Record
Last Sale	$331,000 (Jul 2018)
Tax Bill	$3,414 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`061-00-288.000`

Property Details

APN / Parcel Number

Primary APN	`061-00-288.000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,154 sqft Living Area
1st Floor Area	957 sqft
Basement Area	3,014 sqft
Finished Basement	3,014 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Brick Veneer
Lot Area	221,023 sqft (5.07 acres)
Garage Type	Mixed
Garage Area	697 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3192 FRANKFORT RD
City	GEORGETOWN
State	KY
Zip	40324-9465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY RES
Legal Subdivision	MEFFORD DIV
Legal Tract	TR1
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2029
Census Tract	40601

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3192 FRANKFORT RD, GEORGETOWN, KY 40324-9465
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Jul 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK
Mar 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage KENTUCKY BANK
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Jul 24, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2018 · Amount on Record
Deed Sale	Jul 24, 2018 · Amount on Record
Prior Sale	Aug 9, 2011 · Amount on Record
Deed Document Number	2018389492
Deed Book / Page	399 / 160
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	3192 FRANKFORT RD, GEORGETOWN, KY 40324-9465
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1639/655
Date	Sep 21, 2021
Book Page	M1639/655
Instrument	442687

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	3192 FRANKFORT RD, GEORGETOWN, KY 40324-9465
Transaction Type	Mortgage
Record Updated	Jun 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1403/312
Date	Jul 24, 2018
Book Page	M1403/312
Instrument	389493

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40392

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2033

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	3192 FRANKFORT RD, GEORGETOWN, KY 40324-9465
Transaction Type	Mortgage
Record Updated	Jun 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1383/044
Date	Mar 5, 2018
Book Page	M1383/044
Instrument	383174

Lender

Name	KENTUCKY BANK
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Feb 26, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	3192 FRANKFORT RD, GEORGETOWN, KY 40324-9465
Transaction Type	Mortgage
Record Updated	Jun 14, 2021
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1466/313
Date	Oct 8, 2019
Book Page	M1466/313
Instrument	406188

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Oct 1, 2032

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Jul 24, 2018
Property Address	3192 FRANKFORT RD, GEORGETOWN, KY 40324-9465
Document Number	D399/160
Book / Page	D399 / 160
Map Reference	CAB8 SL226
Instrument Date	Jul 24, 2018
Instrument	389492
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Tax	$331.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	546 CRAIG LN, 546, GEORGETOWN, KY 40324-9475

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3192 FRANKFORT RD, GEORGETOWN, KY 40324-9465

Tax Assessment & Valuation

Source: Scott County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Scott County
Unified School District	Scott County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$443,400 (+15.65%)	$443,400 (+15.65%)
2025	$3,414.00 (+3.42%)	$383,400 (+5.3%)	$383,400 (+5.3%)
2023	$3,301.00	$364,100 Land $90,000 Building $274,100	$364,100 Land $90,000 Building $274,100

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	2 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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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