Owen County property record for 1075 Gratz Rd, Owenton, KY 40359
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 936 sqft · built 1963 |
| Lot Size | 0.191 acres (8,318 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,086 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-50-00-039.05 |
| Primary APN | 049-50-00-039.05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,318 sqft (0.191 acres) |
| Driveway | Asphalt Driveway |
| Porch | Slab |
| Porch Area | 80 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating Fuel | Electric |
| Account Number | 6637 |
|---|---|
| Street Address | 1075 GRATZ RD |
| City | OWENTON |
| State | KY |
| Zip | 40359-8501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT/HOUSE |
| Legal Subdivision | KING SUBDIVISION |
| Jurisdiction | OWEN KY |
| Township / Civil Division | OWENTON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 970201 |
Source: Owen County records, as of August 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1075 GRATZ RD, OWENTON, KY 40359-8501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 10, 2025 | Warranty Deed, Transfer · FHA Mortgage CLICK N CLOSE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2025 |
| Deed Sale | Dec 10, 2025 |
| Prior Sale | Mar 21, 2011 · Amount on Record |
| Deed Document Number | 20251183020 |
| Deed Book / Page | 280 / 118 |
| Prior Transfer Date | Jul 18, 2013 |
| Prior Transfer Doc | DEED240/338 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN KY |
| Property Address | 1075 GRATZ RD, OWENTON, KY 40359-8501 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Title Company | HIGH STREET TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | MTG307/524 |
|---|---|
| Date | Jul 30, 2021 |
| Book Page | MTG 307/524 |
| Instrument | 2021002702 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN KY |
| Recording Date | Dec 10, 2025 |
| Property Address | 1075 GRATZ RD, OWENTON, KY 40359-8501 |
| Document Number | 00D280/118 |
| Book / Page | D280 / 118 |
| Map Reference | MB 240 PG 338 |
| Instrument Date | Dec 4, 2025 |
| Instrument | 1183020 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 465 E ADAIR ST, OWENTON, KY 40359-3002 |
| Name | Verified Name |
|---|---|
| Address | 1075 GRATZ RD, OWENTON, KY 40359-8501 |
| Document Number | 000M348300 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | M348/300 |
| Name | CLICK N CLOSE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Number | 00M348/315 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | M348/315 |
| Instrument | 1183040 |
| Name | CLICK N CLOSE INC |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TX 75001 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 1, 2036 |
Source: Owen County assessment roll, as of November 20, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Owen County |
| Unified School District | Owen County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,086.00 (+24.4%) | $88,900 (+23.13%) | $88,900 (+23.13%) |
| 2023 | $873.00 | $72,200 | $72,200 |
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 December 21, 2017 · 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 | 4 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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 | KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| 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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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