KCU BOX 791 100 ACADEMIC PKY, 791, GRAYSON, KY 41143-2205
Mortgage
Document Number
0000384610
Date
May 30, 2018
Instrument
384610
Lender
Name
BANK OF AMERICA NA
Type
Bank
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jun 1, 2048
May 2016: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
CARTER KY
Recording Date
May 31, 2016
Property Address
1120 CHEROKEE DR, GRAYSON, KY 41143-9348
Document Number
0OR357/628
Book / Page
OR357 / 628
Map Reference
CAB 1 SLV 71-A
Instrument Date
May 24, 2016
Instrument
376119
Transaction Type
Transfer
Record Updated
Apr 2, 2026
Title Company
SPRINGDALE TITLE LLC
Transaction
Amount
Amount on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$180.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
365 KENTUCKY AVE, GRAYSON, KY 41143-1629
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
1120 CHEROKEE DR, GRAYSON, KY 41143-9348
Mortgage
Document Number
0000376120
Date
May 31, 2016
Instrument
376120
Lender
Name
AMERICAN MORTGAGE SERVICE CO
Type
Mortgage Company
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jun 1, 2046
October 2014: Deed, Transfer
Document Type
Deed
Jurisdiction
CARTER KY
Recording Date
Oct 1, 2014
Property Address
1120 CHEROKEE DR, GRAYSON, KY 41143-9348
Document Number
0OR330/129
Book / Page
OR330 / 129
Map Reference
CAB 1 SL 71A
Instrument Date
Sep 26, 2014
Instrument
350825
Transaction Type
Transfer
Record Updated
Apr 2, 2026
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$170.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
5116 DANIELS FORK RD, ASHLAND, KY 41102-8049
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Right of Survivorship
Address
1120 CHEROKEE DR, GRAYSON, KY 41143-9348
Mortgage
Document Number
0000350826
Date
Oct 1, 2014
Instrument
350826
Lender
Name
EZ MORTGAGE LOANS INC
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Oct 1, 2044
June 2010: Deed, Transfer
Document Type
Deed
Jurisdiction
CARTER KY
Recording Date
Jun 23, 2010
Property Address
1120 CHEROKEE DR, GRAYSON, KY 41143-9348
Document Number
0OR255/069
Book / Page
OR255 / 069
Instrument Date
Jun 3, 2010
Instrument
328722
Transaction Type
Transfer
Record Updated
Apr 2, 2026
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$0.00
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Right of Survivorship
Address
1120 CHEROKEE DR, GRAYSON, KY 41143-9348
Mortgage
Document Number
0000228723
Date
Jun 23, 2010
Instrument
228723
Lender
Name
COMMUNITY TRUST BANK INC
Type
Bank
Agreement
Type
Loan Assumption
Amount
Amount on Record
Term
361 Months
Due
Jul 1, 2040
Interest
Rate Type
Fixed Rate
Rate
5.25%
Type Change Date
Jul 1, 2015
Change Frequency
Annually
Min Rate At Change
3.25%
Max Rate At Change
7.25%
Index
1-Year T-Bill
Max Rate
11.2%
Tax Assessment & Valuation
The 2025 property tax bill for 1120 Cherokee Dr was $1,620.
Source: Carter County assessment roll, as of April 2, 2026
Property Jurisdictions
Type
Name
State
Kentucky
County
Carter County
Unified School District
Carter County School District (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2025
$1,620.00
$190,000
$190,000
2023
$1,637.00
$190,000
$190,000
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 1120 Cherokee Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 10 policies
Community Rating System
Class 10 (0% premium discount)
Nearby Flood Policies
10 in force
Nearby Flood Claims
9 (2002–2012)
Claims Outside the SFHA
6 of 9
Most Recent Claim
Jul 2012 · river or lake flooding
Claims by Event
Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims
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.
Wildfire
Wildfire risk around 1120 Cherokee Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood
0.03% annual chance
Exposure
Direct burnable vegetation
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 69 locations within half a mile, as of December 31, 2025