102 W 3rd St, Grayson, KY 41143 Property Records

Carter County property record for 102 W 3rd St, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,040 sqft · built 1978
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,900 (Aug 2026)
Tax Bill	$860 (2025)
Deeds & Mortgages	Aug 2026 Sale & Construction Loan Jun 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`104-10-24-009.00`

Property Details

APN / Parcel Number

Primary APN	`104-10-24-009.00`
Alternative APN	`28938`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,040 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
View / Lot	Waterfront - Canal
Garage Type	Attached
Garage Area	352 sqft
Driveway	Asphalt Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	28938
Street Address	102 W 3RD ST
City	GRAYSON
State	KY
Zip	41143-1016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	3
Census Block	3029
Census Tract	960500

Owner

Source: Carter County records, as of August 25, 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	2574 SMITH BR, GRAYSON, KY 41143-7273
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed, Construction Loan · Construction Mortgage COMMERCIAL BANK
Jun 19, 2018	Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF GRAYSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Oct 10, 2023 · Amount on Record
Deed Document Number	20261032068
Deed Book / Page	563 / 113
Record Updated	Oct 29, 2026

August 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Aug 14, 2026
Property Address	102 W 3RD ST, GRAYSON, KY 41143-1016
Document Number	0001032068
Book / Page	563 / 113
Instrument Date	Aug 7, 2026
Instrument	20261032068
Transaction Type	Construction Loan
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$35,339.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2574 SMITH BR, GRAYSON, KY 41143-7273

Mortgage

Document Number	0001032069,
Date	Aug 14, 2026
Instrument	20261032069

Lender

Name	COMMERCIAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 12, 2027

Interest

Max Rate	-1%

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Jun 19, 2018
Property Address	102 W 3RD ST, GRAYSON, KY 41143-1016
Document Number	0OR394/302
Book / Page	OR394 / 302
Instrument Date	Jun 19, 2018
Instrument	384889
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9134 S MORGAN ST, 9134, KNIGHTSTOWN, IN 46148-9301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 93, HITCHINS, KY 41146-0093

Mortgage

Document Number	0000384890
Date	Jun 19, 2018
Instrument	384890

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Jul 1, 2019

Tax Assessment & Valuation

Source: Carter County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Carter County
Municipality	Grayson City
Unified School District	Carter County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$860.00 (-3.7%)	$150,000 (-)	$150,000 (-)
2023	$893.00 Homeowner's exemption	$150,000	$150,000

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 June 2, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	GRAYSON UTILITY COMMISSION serves 10,950 people · EPA ID KY0220164
Water Source	Surface water
Last State Inspection	Jun 2025
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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Optimum Cable	2,000 / 200
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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