1243 Smith Br, Grayson, KY 41143 Property Records

Carter County property record for 1243 Smith Br, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	1,296 sqft
Lot Size	50 acres (2,178,000 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Dec 2025)
Tax Bill	$4,479 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`074-00-00-029.00`

Property Details

APN / Parcel Number

Primary APN	`074-00-00-029.00`
Alternative APNs	`30311` `33306`

Interior

Stories	1 Story
Building Area	1,296 sqft Building Perimeter

Exterior

Lot Area	2,178,000 sqft (50 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	33306
Street Address	1243 SMITH BR
City	GRAYSON
State	KY
Zip	41143-6986
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & CABIN & 50 ACRES
Jurisdiction	CARTER KY
Township / Civil Division	GRAHN
Census Block Group	2
Census Block	2007
Census Tract	960300

Owner

1243 Smith Br is owned and occupied by two individuals who bought it in December 2025.

Source: Carter County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1243 SMITH BR, GRAYSON, KY 41143-6986
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jun 2, 2022	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WEST VIRGINIA
Jul 28, 2022	Warranty Deed, Transfer BEST TITLE AGENCY, BESTITLE AGENCY
Nov 26, 2019	Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF WEST VIRGINIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Prior Sale	Jul 28, 2022 · Amount on File
Deed Document Number	20251022548
Deed Book / Page	549 / 582
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	1243 SMITH BR, GRAYSON, KY 41143-6986
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99-581 HONOHINA ST, AIEA, HI 96701-3344

Mortgage

Document Number	000549/586
Date	Dec 12, 2025
Book Page	549/586
Instrument	1022549

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	5160 TENNYSON PKWY STE 1000, PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	1243 SMITH BR, GRAYSON, KY 41143-6986
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 SMITH BR, GRAYSON, KY 41143-6986

Mortgage

Document Number	000478/644
Date	Jun 2, 2022
Book Page	478/644
Instrument	551922

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Jul 28, 2022
Property Address	1243 SMITH BR, GRAYSON, KY 41143-6986
Document Number	000482/428
Book / Page	482 / 428
Instrument Date	Jul 22, 2022
Instrument	552695
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	BEST TITLE AGENCY, BESTITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	GOOSE CREEK ROAD, WHEELERSBURG, OH 45694

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1243 SMITH BR, GRAYSON, KY 41143-6986

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Nov 26, 2019
Property Address	1243 SMITH BR, GRAYSON, KY 41143-6986
Document Number	0OR421/837
Book / Page	OR421 / 837
Instrument Date	Nov 22, 2019
Instrument	401022
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 SADDLEBURN RD, GRAYSON, KY 41143-9360

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1243 SMITH BR, GRAYSON, KY 41143-6986

Mortgage

Document Number	0000401023
Date	Nov 26, 2019
Instrument	401023

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6%
Index	10-Year TN
Max Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 1243 Smith Br was $4,479.

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	$4,479.00	$525,000	$525,000
2023	$4,526.00	$525,000	$525,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1243 Smith Br 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (2012–2017)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jun 2017 · river or lake flooding

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 1243 Smith Br is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.07% 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	RATTLESNAKE RIDGE WATER DISTRICT serves 11,397 people · EPA ID KY0220555
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025
Treatment and Procedure	Organic carbon removal Jan 2020
Monitoring and Reporting	1 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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