411 Oak St, Georgetown, KY 40324 Property Records

Scott County property record for 411 Oak St, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	960 sqft
Owner	Company Name on Record
Tax Bill	$1,425 (2025)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`166-10-279.000`

Property Details

APN / Parcel Number

Primary APN	`166-10-279.000`

Interior

Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Foundation Type	Block

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	411 OAK ST
City	GEORGETOWN
State	KY
Zip	40324-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY GEO 52
Legal Lot Number	13
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	3
Census Block	3014
Census Tract	40102

Owner

Source: Scott County records, as of January 19, 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	1909 WESTMEATH PL, LEXINGTON, KY 40503-3728
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000151728
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	411 OAK ST, GEORGETOWN, KY 40324-1915
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M1738/61
Date	May 5, 2023
Book Page	M1738/61
Instrument	472288

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 1, 2030

Tax Assessment & Valuation

Source: Scott County assessment roll, as of April 1, 2025

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	$1,425.00 (+50.79%)	$160,000 (+53.4%)	$160,000 (+53.4%)
2023	$945.00 (+14.13%)	$104,300 (+9.21%) Land $27,500 Building $76,800	$104,300 (+9.21%) Land $27,500 Building $76,800
2022	$828.00	$95,500 Land $22,500 Building $73,000	$95,500 Land $22,500 Building $73,000

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

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.

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 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