Carter County property record for 1220 Townsend Ave, Grayson, KY 41143
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,728 sqft · built 1981 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Feb 2018) |
| Tax Bill | $348 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-70-07-009.00 |
| Primary APN | 104-70-07-009.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 25,700 sqft (0.59 acres) |
| View / Lot | Waterfront - Canal |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Deck Area | 932 sqft |
| Patio Area | 932 sqft |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Gas |
| Account Number | 28592 |
|---|---|
| Street Address | 1220 TOWNSEND AVE |
| City | GRAYSON |
| State | KY |
| Zip | 41143-1664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 0.59 ACRE (TRACTS 3A & 4A) |
| Legal Tract | 3A,4A |
| Jurisdiction | CARTER KY |
| Township / Civil Division | GRAYSON |
| Census Block Group | 2 |
| Census Block | 2000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1220 TOWNSEND AVE, GRAYSON, KY 41143-1664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK OF WEST VIRGINIA |
| Mar 29, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK OF KENTUCKY INC |
| Feb 13, 2018 | Deed, Transfer · ARM TOWN SQUARE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 13, 2018 · Amount on Record |
| Deed Sale | Feb 13, 2018 · Amount on Record |
| Prior Sale | Sep 2, 2016 · Amount on Record |
| Deed Document Number | 2018383292 |
| Deed Book / Page | 387 / 448 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 1220 TOWNSEND AVE, GRAYSON, KY 41143-1664 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1220 TOWNSEND AVE, GRAYSON, KY 41143-1664 |
| Document Number | 000549/653 |
|---|---|
| Date | Dec 16, 2025 |
| Book Page | 549/653 |
| Instrument | 1022568 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|---|
| Type | Bank |
| Address | 25 GATEWATER RD, CROSS LANES, WV 25313 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.29% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 4.29% |
| Max Rate At Change | 8.29% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 1220 TOWNSEND AVE, GRAYSON, KY 41143-1664 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1220 TOWNSEND AVE, GRAYSON, KY 41143-1664 |
| Document Number | 000496/484 |
|---|---|
| Date | Mar 29, 2023 |
| Book Page | 496/484 |
| Instrument | 555595 |
| Name | CITIZENS BANK OF KENTUCKY INC |
|---|---|
| Type | Bank |
| Address | PAINTSVILLE, KY 41240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year T-Bill |
| Max Rate | 11.6% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARTER KY |
| Recording Date | Feb 13, 2018 |
| Property Address | 1220 TOWNSEND AVE, GRAYSON, KY 41143-1664 |
| Document Number | 0OR387/448 |
| Book / Page | OR387 / 448 |
| Map Reference | MB 179 PG 104 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 383292 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15831 PONDEROSA DR, 15831, CATLETTSBURG, KY 41129-9052 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1220 TOWNSEND AVE, GRAYSON, KY 41143-1664 |
| Document Number | 0000383293 |
|---|---|
| Date | Feb 13, 2018 |
| Instrument | 383293 |
| Name | TOWN SQUARE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Mar 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.99% |
| Index | 1-Year CMT |
| Max Rate | 9.99% |
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 | $348.00 (-7.45%) | $90,000 (-) | $90,000 (-) |
| 2023 | $376.00 Homeowner's exemption | $90,000 | $90,000 |
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 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% 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 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Foothills Communications Fiber | 1,000 / 1,000 |
| Optimum Cable | 500 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
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