Paynes Crossing Georgetown KY - All You Need To Know

by Christy Wethington

Paynes Crossing

TLDR: Paynes Crossing is a quiet, family friendly Ball Homes subdivision in Georgetown with homes ranging from low $300Ks to high $300Ks. Perfect for first time buyers, young families, and Toyota employees seeking quality new construction with affordable HOA fees ($18/month). Homes are typically 3 to 5 bedrooms, 2 to 3 baths, 1,800 to 2,600 square feet. Appreciation runs steady around 5 to 7% annually. Zoned for Scott County Schools.

Neighborhood Overview

Paynes Crossing is a well designed, family oriented neighborhood built by Ball Homes, one of Kentucky's most trusted homebuilders. This subdivision offers a variety of floor plans and layout options, all featuring modern construction, energy efficient systems, and builder warranties for peace of mind. The vibe here is friendly and welcoming: think tree lined streets, kids playing in yards, neighbors chatting on driveways, and a true sense of community. This is a neighborhood where families put down roots, host backyard barbecues, and build lasting friendships. With a mix of new construction and recent resale homes, Paynes Crossing offers something for everyone seeking quality, affordability, and convenience in Georgetown.

HOA/Amenities: Paynes Crossing has a low HOA fee of just $18/month, which covers basic common area maintenance. No pools, clubhouses, or tennis courts here, this is a straightforward residential neighborhood focused on keeping costs low while maintaining a clean, well kept community.

Housing Stock: You're looking at a diverse range of 3 to 5 bedroom homes in the 1,800 to 2,600 square foot range, all built by Ball Homes with quality construction and modern finishes. Most homes feature open concept layouts, 2 to 3 bathrooms, bonus rooms, attached two car garages, and contemporary finishes like granite countertops, stainless appliances, upgraded cabinetry, and energy efficient HVAC systems. Ball Homes is known for building solid, well insulated homes with builder warranties, giving buyers confidence in their investment. This is owner occupied, pride of ownership inventory that appeals to families, professionals, and anyone seeking quality new construction at an affordable price.

Location and Access

Paynes Crossing is located in a convenient area of Georgetown, providing easy access to schools, shopping, and employment centers.

Proximity to Toyota (TMMK): It's approximately 8 to 10 miles from the Toyota Motor Manufacturing Kentucky (TMMK) plant, making it a practical option for Toyota employees seeking quality new construction with a reasonable commute (about 12 to 15 minutes).

Local Conveniences: The neighborhood is just minutes from downtown Georgetown, Walmart, Indian Creek Shopping Center, and local restaurants. Quick access to I 75 means Lexington is only 15 to 20 minutes away for shopping, dining, and entertainment. Nearby schools, parks, and shopping make daily life easy and convenient.

Housing Market Snapshot

The market in Paynes Crossing is active and steady, appealing to first time buyers, families, and professionals seeking quality new construction at an affordable price.

Average Price Point: Homes in Paynes Crossing typically list in the low $300Ks to high $300Ks, with an average price around $349,000. This is right in line with the Georgetown average of $335K, making it an accessible option for buyers seeking new construction quality without the premium price tag.
Median Sale Price: The median sale price over the last 12 months has been approximately $345,000, reflecting consistent demand for Ball Homes quality construction in a family friendly neighborhood.
Average Days on Market (DOM): Homes here move at a moderate pace, averaging 50 to 70 days on the market. New construction moves faster when priced competitively, often going under contract during the building phase or shortly after completion.
Price Trend: Prices in Paynes Crossing have appreciated steadily over the last year. Georgetown as a whole saw around 6% appreciation, and Paynes Crossing is tracking similarly, with new construction and resale homes both showing consistent gains.
Appreciation Rate: Based on recent sales data, appreciation in this neighborhood is around 5 to 7% year over year. As a newer Ball Homes subdivision with quality construction and strong demand, Paynes Crossing is positioned for continued steady growth as Georgetown expands and Toyota continues to draw new residents to the area.

Scott County School Zoning

Paynes Crossing is zoned for highly regarded Scott County Schools, including:

Eastern Elementary School or Lemons Mill Elementary School (depending on specific address)
Royal Spring Middle School
Scott County High School

Crucial Note: School attendance zones are subject to change, and buyers should always confirm the specific elementary, middle, and high school attendance zones directly with the Scott County Schools office before making any decisions.

Why Buyers Choose Paynes Crossing

Buyers and investors choose Paynes Crossing for several compelling reasons:

Equity Capture: With a median sale price of $345K, buyers purchasing at current market value are stepping into a quality Ball Homes neighborhood with proven appreciation. In just 2 to 3 years, owners can expect to see $35K to $50K in equity growth as Georgetown continues to grow and demand for well built, affordable homes remains strong.
Speed of Sale: Paynes Crossing homes attract motivated, well qualified buyers: first time homebuyers with FHA or conventional loans, young families, and Toyota professionals looking for quality construction with builder warranties. These buyers move decisively, and homes priced correctly often go under contract within 50 to 70 days.
Quality and Affordability: Paynes Crossing delivers Ball Homes quality construction at an affordable price, with low HOA fees, builder warranties, solid school zoning, and proximity to everything Georgetown has to offer. You get new or nearly new homes with energy efficient systems, modern finishes, and peace of mind, all in a family friendly neighborhood where life is easy and convenient.

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📞 Call/Text Christy: 502-542-3098
📧 Email: christywethington@epique.me
🏢 Office: 203 E Main St Ste 1, Georgetown, KY 40324

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About the Author:
Christy Wethington is a listing specialist with Wethington & Richards Group in Georgetown, KY. She helps Scott County homeowners navigate the selling process with honesty, expertise, and a whole lot of patience.