1293 Cherry Tree Ln, Grayson, KY 41143 Property Records

Carter County property record for 1293 Cherry Tree Ln, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	1,756 sqft · built 1995
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on Record
Tax Bill	$847 (2025)
Deeds & Mortgages	Jan 2023 Reverse Mortgage Jan 2023 Reverse Mortgage
Flood Zone	Zone AE (high risk)
APN	`112-20-01-011.00`

Property Details

APN / Parcel Number

Primary APN	`112-20-01-011.00`
Alternative APN	`3418`

Interior

Stories	1 Story
Building Area	1,756 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	49,223 sqft (1.13 acres)

Location & Zoning

Account Number	3418
Street Address	1293 CHERRY TREE LN
City	GRAYSON
State	KY
Zip	41143-1742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.13 ACRES
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	1
Census Block	1002
Census Tract	960602

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	2 Individual Names on Record
Mailing Address	1293 CHERRY TREE LN, GRAYSON, KY 41143-1742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2023	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jan 10, 2023	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	1293 CHERRY TREE LN, GRAYSON, KY 41143-1742
Transaction Type	Mortgage
Record Updated	Feb 14, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1293 CHERRY TREE LN, GRAYSON, KY 41143-1742

Mortgage

Document Number	000492/378
Date	Jan 10, 2023
Book Page	492/378
Instrument	554746

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	846 Months
Due	Jul 23, 2093

Interest

Rate Type	Adjustable Rate
Rate	6.78%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.7%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	1293 CHERRY TREE LN, GRAYSON, KY 41143-1742
Transaction Type	Mortgage
Record Updated	Feb 14, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1293 CHERRY TREE LN, GRAYSON, KY 41143-1742

Mortgage

Document Number	000492/363
Date	Jan 10, 2023
Book Page	492/363
Instrument	554745

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	846 Months
Due	Jul 23, 2093

Interest

Rate Type	Adjustable Rate
Rate	6.78%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.7%

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	$847.00 (-3.75%)	$148,460 (-)	$148,460 (-)
2023	$880.00 Homeowner's exemption	$148,460	$148,460

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 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 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% 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 42 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: Foothills Communications, Windstream.

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