12 Carl Rd, Grayson, KY 41143 Property Records

Carter County property record for 12 Carl Rd, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,420 sqft · built 1946
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$228,000 (Feb 2021)
Tax Bill	$1,944 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit May 2025 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`103-10-00-036.01`

Property Details

APN / Parcel Number

Primary APN	`103-10-00-036.01`
Alternative APN	`31653`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,420 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Other
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	75 ft deep x 115 ft wide
View / Lot	Waterfront - Canal
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Space Heater

Location & Zoning

Account Number	31653
Street Address	12 CARL RD
City	GRAYSON
State	KY
Zip	41143-8754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	HOUSE & LOT 12 FRALEY ADDN
Legal Subdivision	FRALEY ADDN
Legal Lot Number	12
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	1
Census Block	1052
Census Tract	960601

Owner

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	Individual Name on Record
Mailing Address	12 CARL RD, GRAYSON, KY 41143-8754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF GRAYSON
May 2, 2025	Deed of Trust, Mortgage · Line of Credit ASHLAND CU
Oct 15, 2013	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
Aug 25, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF GRAYSON
Nov 18, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF GRAYSON
Aug 25, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF GRAYSON
Feb 26, 2021	Warranty Deed, Transfer · Conventional Mortgage EZ MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Deed Document Number	2021496067
Deed Book / Page	448 / 775
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	12 CARL RD, GRAYSON, KY 41143-8754
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CARL RD, GRAYSON, KY 41143-8754

Mortgage

Document Number	0OR443/305
Date	Nov 18, 2020
Book Page	OR443/305
Instrument	475136

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	12 CARL RD, GRAYSON, KY 41143-8754
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000536/262
Date	May 2, 2025
Book Page	536/262
Instrument	1006286

Lender

Name	ASHLAND CU
Type	Credit Union
Address	305 MARTIN LUTHER KING JR BLVD, ASHLAND, KY 41101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 28, 2050

Interest

Change Frequency	Monthly

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	12 CARL RD, GRAYSON, KY 41143-8754
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR313/549
Date	Oct 15, 2013
Book Page	OR313/549
Instrument	346313

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Address	GRAYSON, KY 41143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Nov 1, 2016

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	12 CARL RD, GRAYSON, KY 41143-8754
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CARL RD, GRAYSON, KY 41143-8754

Mortgage

Document Number	0OR437/291
Date	Aug 25, 2020
Book Page	OR437/291
Instrument	453999

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	12 CARL RD, GRAYSON, KY 41143-8754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CARL RD, GRAYSON, KY 41143-8754

Mortgage

Document Number	OR443/305
Date	Nov 18, 2020
Book Page	OR443/305
Instrument	475136

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	12 CARL RD, GRAYSON, KY 41143-8754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CARL RD, GRAYSON, KY 41143-8754

Mortgage

Document Number	OR437/291
Date	Aug 25, 2020
Book Page	OR437/291
Instrument	453999

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Feb 26, 2021
Property Address	12 CARL RD, GRAYSON, KY 41143-8754
Document Number	0OR448/775
Book / Page	OR448 / 775
Map Reference	MB 132 PG 273
Instrument Date	Feb 1, 2021
Instrument	496067
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CARL RD, GRAYSON, KY 41143-8754

Mortgage

Document Number	0000496068
Date	Feb 26, 2021
Instrument	496068

Lender

Name	EZ MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$1,944.00 (-1.07%)	$228,000 (-)	$228,000 (-)
2023	$1,965.00	$228,000	$228,000

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 · 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 Record median of 17 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	17 in force

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

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	Indirect within 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Windstream.

Nearby Properties on Carl Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures