504 Payne Ave, Georgetown, KY 40324 Property Records

Scott County property record for 504 Payne Ave, Georgetown, KY 40324

Property Summary

Property Type	Single Family Home
Details	1,080 sqft
Lot Size	0.154 acres (6,709 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Feb 2024)
Tax Bill	$1,250 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`166-20-020.000`

Property Details

APN / Parcel Number

Primary APN	`166-20-020.000`

Interior

Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Exterior Material	Brick
Foundation Type	Block
Lot Area	6,709 sqft (0.154 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	504 PAYNE AVE
City	GEORGETOWN
State	KY
Zip	40324-1991
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY GEO 52
Legal Subdivision	C D BARNETT
Jurisdiction	SCOTT KY
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1008
Census Tract	40102

Owner

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	504 PAYNE AVE, GEORGETOWN, KY 40324-1991
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES EXCHANGE BANK (STANTON KY
Feb 21, 2024	Deed, Transfer · Conventional Mortgage WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2024 · Amount on Record
Deed Sale	Feb 21, 2024 · Amount on Record
Deed Document Number	2024493530
Deed Book / Page	447 / 399
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	504 PAYNE AVE, GEORGETOWN, KY 40324-1991
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1583/676
Date	Mar 1, 2021
Book Page	M1583/676
Instrument	429219

Lender

Name	PEOPLES EXCHANGE BANK (STANTON KY
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Feb 25, 2046

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SCOTT KY
Recording Date	Feb 21, 2024
Property Address	504 PAYNE AVE, GEORGETOWN, KY 40324-1991
Document Number	00D447/399
Book / Page	D447 / 399
Instrument Date	Feb 16, 2024
Instrument	493530
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	154 CAMP CREEK WAY, GEORGETOWN, KY 40324-8026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 PAYNE AVE, GEORGETOWN, KY 40324-1991

Mortgage

Document Number	0000493531
Date	Feb 21, 2024
Instrument	493531

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2034
Change Frequency	Annually
Min Rate At Change	7.12%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	13.1%

Mortgage

Document Number	0M1772/708
Date	Feb 21, 2024
Book Page	M1772/708
Instrument	493532

Lender

Name	CAR WASH PARTNERS OF GEORGETOWN LLC
Type	Non-Lending Institution
Address	GEORGETOWN, KY 40324

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Feb 16, 2029

Tax Assessment & Valuation

Source: Scott County assessment roll, as of January 21, 2026

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
2026		$140,400 (-)	$140,400 (-)
2025	$1,250.00 (+15.63%)	$140,400 (+17.69%)	$140,400 (+17.69%)
2023	$1,081.00 (+9.3%)	$119,300 (+4.65%) Land $27,500 Building $91,800	$119,300 (+4.65%) Land $27,500 Building $91,800
2022	$989.00	$114,000 Land $22,500 Building $91,500	$114,000 Land $22,500 Building $91,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 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.

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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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