492 Double Culvert Rd, Georgetown, KY 40324 Property Records

Scott County property record for 492 Double Culvert Rd, Georgetown, KY 40324

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,539 sqft · built 1995
Lot Size	10.9 acres (476,329 sqft)
Owner	2 Individual Names on File
Last Sale	$139,900 (May 2018)
Tax Bill	$823 (2025)
Deeds & Mortgages	Jan 2018 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`156-00-031.000`

Property Details

APN / Parcel Number

Primary APN	`156-00-031.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,539 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Lot Area	476,329 sqft (10.9 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	492 DOUBLE CULVERT RD
City	GEORGETOWN
State	KY
Zip	40324-9510
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FARM
Legal Lot Number	1
Jurisdiction	SCOTT KY
Township / Civil Division	SADIEVILLE
Census Block Group	1
Census Block	1077
Census Tract	40400

Owner

492 Double Culvert Rd, a rural home, is owned and occupied by two individuals who bought it in May 2018.

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 File
Mailing Address	492 DOUBLE CULVERT RD, GEORGETOWN, KY 40324-9510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2018	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK
May 10, 2018	Deed, Transfer · Conventional Mortgage UNIVERSITY OF KENTUCKY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2018 · Amount on File
Deed Sale	May 10, 2018 · Amount on File
Prior Sale	Jun 19, 2009 · Amount on File
Deed Document Number	2018386266
Deed Book / Page	397 / 277
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	492 DOUBLE CULVERT RD, GEORGETOWN, KY 40324-9510
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1376/200
Date	Jan 11, 2018
Book Page	M1376/200
Instrument	380583

Lender

Name	PEOPLES BANK
Type	Bank
Address	BEREA, KY 40403

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	May 10, 2018
Property Address	492 DOUBLE CULVERT RD, GEORGETOWN, KY 40324-9510
Document Number	D397/277
Book / Page	D397 / 277
Map Reference	CAB7 SL185
Instrument Date	May 8, 2018
Instrument	386266
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	52 HERON LANDING PL, 52, RICHMOND, KY 40475-9531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 DOUBLE CULVERT RD, GEORGETOWN, KY 40324-9510

Mortgage

Document Number	386267
Date	May 10, 2018
Instrument	386267

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 492 Double Culvert Rd was $823.

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		$98,600 (-41.18%) Land $3,200 Building $95,400	$314,100 (+87.37%) Land $218,700 Building $95,400
2025	$823.00	$167,640	$167,640
2023	$586.00	$64,735 Land $3,175 Building $61,560	$139,900 Land $78,340 Building $61,560

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 492 Double Culvert Rd in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 492 Double Culvert Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

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 17 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

Cell Coverage

5G (outdoors only) and 4G LTE

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