Scott County property record for 512 Main Ave, Georgetown, KY 40324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,250 sqft |
| Lot Size | 0.164 acres (7,139 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $194,000 (May 2024) |
| Tax Bill | $1,727 (2025) |
| Deeds & Mortgages | Sep 2025 Second Mortgage May 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 166-20-323.000 |
| Primary APN | 166-20-323.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,250 sqft Living Area |
| Exterior Material | Stucco |
|---|---|
| Foundation Type | Block |
| Lot Area | 7,139 sqft (0.164 acres) |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 512 MAIN AVE |
|---|---|
| City | GEORGETOWN |
| State | KY |
| Zip | 40324-1842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CITY GEO 53 |
| Jurisdiction | SCOTT KY |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 40101 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 512 MAIN AVE, GEORGETOWN, KY 40324-1842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 18, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CU INC |
| May 22, 2023 | Intrafamily Transfer, Transfer |
| Oct 2, 2020 | Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2024 · Amount on Record |
| Deed Sale | May 22, 2024 · Amount on Record |
| Prior Sale | Oct 2, 2020 · Amount on Record |
| Deed Document Number | 2024500494 |
| Deed Book / Page | 449 / 265 |
| Prior Transfer Date | May 12, 2023 |
| Prior Transfer Doc | 00D441/870 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 512 MAIN AVE, GEORGETOWN, KY 40324-1842 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 512 MAIN AVE, GEORGETOWN, KY 40324-1842 |
| Investor | Possibly a Property Investor |
| Document Number | 0M1858/646 |
|---|---|
| Date | Sep 18, 2025 |
| Book Page | M1858/646 |
| Instrument | 556077 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCOTT KY |
| Property Address | 512 MAIN AVE, GEORGETOWN, KY 40324-1842 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 512 MAIN AVE, GEORGETOWN, KY 40324-1842 |
| Document Number | 0M1739/500 |
|---|---|
| Date | May 22, 2023 |
| Book Page | M1739/500 |
| Instrument | 472938 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 7.75% |
| Index | 12-Month MTA |
| Max Rate | 11.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | May 22, 2023 |
| Property Address | 512 MAIN AVE, GEORGETOWN, KY 40324-1842 |
| Document Number | 00D441/870 |
| Book / Page | D441 / 870 |
| Instrument Date | May 12, 2023 |
| Instrument | 472937 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 512 MAIN AVE, GEORGETOWN, KY 40324-1842 |
| Name | Verified Name |
|---|---|
| Address | 9942 12TH WAY N APT 106, 106, SAINT PETERSBURG, FL 33716-4341 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCOTT KY |
| Recording Date | Oct 2, 2020 |
| Property Address | 512 MAIN AVE, GEORGETOWN, KY 40324-1842 |
| Document Number | D418/216 |
| Book / Page | D418 / 216 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 422391 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 346 MARTIN LUTHER KING JR BLVD, 346, GEORGETOWN, KY 40324-1859 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 407 MOGUL DR, GALLOWAY, OH 43119-2203 |
| Document Number | 422392 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 422392 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
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 | $194,000 (-) | $194,000 (-) | |
| 2025 | $1,727.00 (+31.43%) | $194,000 (+33.79%) | $194,000 (+33.79%) |
| 2023 | $1,314.00 (+8.24%) | $145,000 (+3.57%) Land $20,000 Building $125,000 | $145,000 (+3.57%) Land $20,000 Building $125,000 |
| 2022 | $1,214.00 | $140,000 Land $15,000 Building $125,000 | $140,000 Land $15,000 Building $125,000 |
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 · 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 | 5 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.2% 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.
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 326 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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