Scott County property record for 400 Oak St, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 988 sqft |
| Lot Size | 0.269 acres (11,744 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $197,500 (Oct 2024) |
| Tax Bill | $1,759 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 166-10-298.000 |
| Primary APN | 166-10-298.000 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 808 sqft |
| Basement Area | 1,009 sqft |
| Finished Basement | 1,009 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Stone |
| Lot Area | 11,744 sqft (0.269 acres) |
| Heating System | HVAC |
|---|
| Street Address | 400 OAK ST |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-1916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CITY GEO 52 |
| Legal Subdivision | PAYNES ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 40102 |
Source: Scott County records, as of October 13, 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 | 400 OAK ST, GEORGETOWN, KY 40324-1916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Aug 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 25, 2020 | Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2024 · Amount on Record |
| Deed Sale | Oct 21, 2024 · Amount on Record |
| Prior Sale | Jun 17, 2024 · Amount on Record |
| Deed Document Number | 2024513834 |
| Deed Book / Page | 452 / 797 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 400 OAK ST, GEORGETOWN, KY 40324-1916 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 400 OAK ST, GEORGETOWN, KY 40324-1916 |
| Document Number | 00M1703/57 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | M1703/57 |
| Instrument | 457316 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Mar 25, 2020 |
| Property Address | 400 OAK ST, GEORGETOWN, KY 40324-1916 |
| Document Number | 00D413/268 |
| Book / Page | D413 / 268 |
| Map Reference | MB 26 PG 300 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 413568 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1834 JEFFERSON AVE, 1834, COVINGTON, KY 41014-1165 |
| Name | Verified Name |
|---|---|
| Address | 400 OAK ST, GEORGETOWN, KY 40324-1916 |
| Document Number | 0000413569 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 413569 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
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 | $197,500 (-) | $197,500 (-) | |
| 2025 | $1,759.00 (+27.46%) | $197,500 (+29.76%) | $197,500 (+29.76%) |
| 2023 | $1,380.00 (+6.48%) | $152,200 (+1.87%) Land $30,000 Building $122,200 | $152,200 (+1.87%) Land $30,000 Building $122,200 |
| 2022 | $1,296.00 | $149,400 Land $25,000 Building $124,400 | $149,400 Land $25,000 Building $124,400 |
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 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 430 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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