Carter County property record for 104 Ruth St, Grayson, KY 41143
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,732 sqft · built 2009 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $97,000 (Sep 2018) |
| Tax Bill | $848 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Nov 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-10-03-014.00 |
| Primary APN | 104-10-03-014.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,732 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Frame |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| View / Lot | Waterfront - Canal |
| Driveway | Asphalt Driveway |
| Total Buildings | 2 Buildings |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 30976 |
|---|---|
| Street Address | 104 RUTH ST |
| City | GRAYSON |
| State | KY |
| Zip | 41143-1337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOTS 32-33 SECTION 2 |
| Legal Subdivision | GREEN ACRES |
| Legal Block | 2 |
| Legal Lot Number | 32-33 |
| Jurisdiction | CARTER KY |
| Township / Civil Division | GRAYSON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 960602 |
Source: Carter County records, as of April 2, 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 | 104 RUTH ST, GRAYSON, KY 41143-1337 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 15, 2019 | Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WEST VIRGINIA |
| Sep 4, 2018 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2018 · Amount on Record |
| Deed Sale | Sep 4, 2018 · Amount on Record |
| Prior Sale | Feb 25, 2009 |
| Deed Document Number | 2018385940 |
| Deed Book / Page | 398 / 267 |
| Prior Transfer Date | Aug 27, 2018 |
| Prior Transfer Doc | 0OR398/267 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 104 RUTH ST, GRAYSON, KY 41143-1337 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000472/39 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 472/39 |
| Instrument | 540699 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 104 RUTH ST, GRAYSON, KY 41143-1337 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | OR421/303 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | OR421/303 |
| Instrument | 400877 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|---|
| Type | Bank |
| Address | GRAYSON, KY 41143 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 23, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER KY |
| Recording Date | Sep 4, 2018 |
| Property Address | 104 RUTH ST, GRAYSON, KY 41143-1337 |
| Document Number | 0OR398/267 |
| Book / Page | OR398 / 267 |
| Map Reference | DD 113 PG 8 |
| Instrument Date | Aug 27, 2018 |
| Instrument | 385940 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $97.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 4258 BASUSH G RD, 4258, WEBBVILLE, KY 41180 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 104 RUTH ST, GRAYSON, KY 41143-1337 |
| Document Number | 0000385941 |
|---|---|
| Date | Sep 4, 2018 |
| Instrument | 385941 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
Source: Carter County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Carter County |
| Municipality | Grayson City |
| Unified School District | Carter County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $848.00 (-1.05%) | $99,500 (-) | $99,500 (-) |
| 2023 | $857.00 | $99,500 | $99,500 |
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 June 2, 2011 · 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 19 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Mar 2021 · Severe, Storms, Flooding, Landslides, And Mudslides |
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 66% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 |
| 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 125 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 | 500 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
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