Scott County property record for 405 Oak St, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,132 sqft |
| Lot Size | 0.209 acres (9,130 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Dec 2016) |
| Tax Bill | $1,312 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jun 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 166-10-284.000 |
| Primary APN | 166-10-284.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,132 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 1,132 sqft |
| Finished Basement | 952 sqft |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Lot Area | 9,130 sqft (0.209 acres) |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 OAK ST |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-1915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CITY GEO 52 |
| Legal Subdivision | CITY GEO |
| Legal Lot Number | 13 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 40102 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 405 OAK ST, GEORGETOWN, KY 40324-1915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 7, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2016 · Amount on Record |
| Deed Sale | Dec 13, 2016 · Amount on Record |
| Prior Sale | Jul 23, 2013 · Amount on Record |
| Deed Document Number | 2016363258 |
| Deed Book / Page | 383 / 310 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 405 OAK ST, GEORGETOWN, KY 40324-1915 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 405 OAK ST, GEORGETOWN, KY 40324-1915 |
| Document Number | 0M1780/558 |
|---|---|
| Date | Apr 29, 2024 |
| Book Page | M1780/558 |
| Instrument | 498433 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 272 Months |
| Due | Dec 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 405 OAK ST, GEORGETOWN, KY 40324-1915 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 405 OAK ST, GEORGETOWN, KY 40324-1915 |
| Document Number | 0M1741/671 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | M1741/671 |
| Instrument | 474013 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 282 Months |
| Due | Dec 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 405 OAK ST, GEORGETOWN, KY 40324-1915 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 405 OAK ST, GEORGETOWN, KY 40324-1915 |
| Document Number | 0M1698/560 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | M1698/560 |
| Instrument | 456452 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 293 Months |
| Due | Dec 1, 2046 |
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 | $147,400 (-) | $147,400 (-) | |
| 2025 | $1,312.00 (+14.99%) | $147,400 (+17.08%) | $147,400 (+17.08%) |
| 2023 | $1,141.00 (+11.97%) | $125,900 (+7.15%) Land $30,000 Building $95,900 | $125,900 (+7.15%) Land $30,000 Building $95,900 |
| 2022 | $1,019.00 | $117,500 Land $25,000 Building $92,500 | $117,500 Land $25,000 Building $92,500 |
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 | 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.
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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