Scott County property record for 481 Sims Pike, Georgetown, KY 40324
| Property Type | Commercial Vacant Land |
|---|---|
| Details | 3 bd · 3 ba · 4,416 sqft · built 2022 |
| Lot Size | 5.01 acres (218,410 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,206 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 185-10-011.002 |
| Primary APN | 185-10-011.002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,416 sqft Living Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 218,410 sqft (5.01 acres) |
| Street Address | 481 SIMS PIKE |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-8510 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Legal Description | COUNTY RES |
| Legal Subdivision | 5.014 ACRES |
| Legal Tract | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | SADIEVILLE |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 40400 |
481 Sims Pike, commercial vacant land, is owned and occupied by two individuals.
Source: Scott County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 481 SIMS PIKE, GEORGETOWN, KY 40324-8510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 5, 2023 | Deed of Trust, Mortgage CENTRAL KENTUCKY AG CREDIT ASSN |
| Mar 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Dec 22, 2021 | Deed, Transfer · Commercial Mortgage STOCK YARDS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 481 SIMS PIKE, GEORGETOWN, KY 40324-8510 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 481 SIMS PIKE, GEORGETOWN, KY 40324-8510 |
| Document Number | 0M1752/772 |
|---|---|
| Date | Sep 5, 2023 |
| Book Page | M1752/772 |
| Instrument | 480007 |
| Name | CENTRAL KENTUCKY AG CREDIT ASSN |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40504 |
| Amount | Amount on Record |
|---|---|
| Term | 119 Months |
| Due | Aug 11, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 481 SIMS PIKE, GEORGETOWN, KY 40324-8510 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | LAND GROUP TITLE AND CLOSINGS, LAND GROUP TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Address | 481 SIMS PIKE, GEORGETOWN, KY 40324-8510 |
| Document Number | 0M1733/363 |
|---|---|
| Date | Mar 27, 2023 |
| Book Page | M1733/363 |
| Instrument | 469812 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Dec 22, 2021 |
| Property Address | 481 SIMS PIKE, GEORGETOWN, KY 40324-8510 |
| Document Number | 00D430/387 |
| Book / Page | D430 / 387 |
| Map Reference | CAB 13 SL 73 |
| Instrument Date | Dec 20, 2021 |
| Instrument | 447744 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 525 SOARDS RD, GEORGETOWN, KY 40324-9145 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | PO BOX 565, GEORGETOWN, KY 40324-0565 |
| Document Number | 0000447745 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 447745 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 20, 2041 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 481 Sims Pike was $5,206.
Source: Scott County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Scott County |
| Unified School District | Scott County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $648,400 (+10.93%) | $648,400 (+10.93%) | |
| 2025 | $5,206.00 | $584,500 | $584,500 |
| 2023 | $3,196.00 | $352,500 Land $125,000 Building $227,500 | $352,500 Land $125,000 Building $227,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 481 Sims Pike in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.
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 | 6 in force |
| Nearby Flood Claims | 2 (2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2018 · river or lake flooding |
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 risk around 481 Sims Pike is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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