Owen County property record for 1180 Gratz Rd, Owenton, KY 40359
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1986 |
| Lot Size | 3.69 acres (160,736 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Jul 2022) |
| Tax Bill | $1,927 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Dec 2018 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-50-00-042.00 |
| Primary APN | 049-50-00-042.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum Siding |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 160,736 sqft (3.69 acres) |
| Terrain | Rolling |
| Garage Area | 288 sqft |
| Driveway | Gravel Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 118 sqft |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 11027 |
|---|---|
| Street Address | 1180 GRATZ RD |
| City | OWENTON |
| State | KY |
| Zip | 40359-8554 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | 3.69 AC/MANU HOUSE/IMP |
| Legal Subdivision | FOSTER POWELL |
| Jurisdiction | OWEN KY |
| Township / Civil Division | OWENTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 970201 |
1180 Gratz Rd, a mobile home, is owned by two individuals who acquired it in March 2026.
Source: Owen County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4770 SQUIRESVILLE RD, OWENTON, KY 40359-8516 |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 9, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 10, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS UNION BANK |
| Jul 6, 2022 | Fiduciary Deed, Transfer · Conventional Mortgage THE GERMAN AMERICAN BANK |
| Mar 19, 2018 | Special Warranty Deed, Transfer BRIDGE TRUST TITLE GROUP |
| Jan 8, 2018 | Commissioner's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2022 · Amount on File |
| Deed Sale | Jul 6, 2022 · Amount on File |
| Prior Sale | Mar 19, 2018 · Amount on File |
| Deed Document Number | 20222040 |
| Deed Book / Page | 267 / 767 |
| Last Transfer Date | Mar 19, 2026 |
| Transfer Doc | 0001208385 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OWEN KY |
| Recording Date | Apr 9, 2026 |
| Property Address | 1180 GRATZ RD, OWENTON, KY 40359-8554 |
| Document Number | 0001208385 |
| Book / Page | 281 / 313 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 20261208385 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 4770 SQUIRESVILLE RD, OWENTON, KY 40359-8516 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN KY |
| Property Address | 1180 GRATZ RD, OWENTON, KY 40359-8554 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | MTG280/508 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | MTG 280/508 |
| Instrument | 2018003779 |
| Name | CITIZENS UNION BANK |
|---|---|
| Type | Bank |
| Address | OWENTON, KY 40359 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Nov 29, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | OWEN KY |
| Recording Date | Jul 6, 2022 |
| Property Address | 1180 GRATZ RD, OWENTON, KY 40359-8554 |
| Document Number | DEED267/770 |
| Book / Page | DEED 267 / 770 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 2022002040 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2023 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 536 PERIMETER DR, ERLANGER, KY 41018-2270 |
| Name | Verified Name |
|---|---|
| Address | 1180 GRATZ RD, GRATZ, KY 40359-8554 |
| Document Number | 0MTG318227 |
|---|---|
| Date | Jul 6, 2022 |
| Instrument | MTG 318/227 |
| Name | THE GERMAN AMERICAN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OWEN KY |
| Recording Date | Mar 19, 2018 |
| Property Address | 1180 GRATZ RD, OWENTON, KY 40359-8554 |
| Document Number | DEED252/733 |
| Book / Page | DEED 252 / 733 |
| Instrument Date | Mar 14, 2018 |
| Instrument | 2018000743 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2023 |
| Title Company | BRIDGE TRUST TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 1180 GRATZ RD # 5, 5, OWENTON, KY 40359-8554 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | OWEN KY |
| Recording Date | Jan 8, 2018 |
| Property Address | 1180 GRATZ RD, OWENTON, KY 40359-8554 |
| Document Number | DEED252/062 |
| Book / Page | DEED 252 / 062 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 2018000084 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
The 2025 property tax bill for 1180 Gratz Rd was $1,927.
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 | $1,927.00 | $160,000 | $160,000 |
| 2023 | $1,894.00 | $160,000 | $160,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1180 Gratz Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2025.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 5 (2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 1180 Gratz Rd is low, with a 0.01% annual chance of 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 | 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 20 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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