15 Bays Rd, Grayson, KY 41143 Property Records

Carter County property record for 15 Bays Rd, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,500 sqft · built 1968
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$554 (2025)
Deeds & Mortgages	Mar 2014 Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`111-00-00-027.00`

Property Details

APN / Parcel Number

Primary APN	`111-00-00-027.00`
Alternative APNs	`34532` `681`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,500 sqft Living Area
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Driveway	Driveway
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater

Location & Zoning

Account Number	34532
Street Address	15 BAYS RD
City	GRAYSON
State	KY
Zip	41143-7592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	1
Census Block	1020
Census Tract	960601

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	15 BAYS RD, GRAYSON, KY 41143-7592
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2014	Deed of Trust, Mortgage · Conventional Mortgage THE COMMERCIAL BANK OF GRAYSON
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB
Mar 12, 2008	Deed of Trust, Mortgage · Conventional Mortgage ADVANCED FINANCIAL SERVICES INC
Aug 22, 2023	Deed, Transfer · Line of Credit THE COMMERCIAL BANK OF GRAYSON
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	15 BAYS RD, GRAYSON, KY 41143-7592
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR320/347
Date	Mar 17, 2014
Book Page	OR320/347
Instrument	347996

Lender

Name	THE COMMERCIAL BANK OF GRAYSON
Address	OLIVE HILL, KY 41164

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 12, 2029

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	15 BAYS RD, GRAYSON, KY 41143-7592
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR427/741
Date	Mar 17, 2020
Book Page	OR427/741
Instrument	422295

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 1, 2035

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	15 BAYS RD, GRAYSON, KY 41143-7592
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR212/802
Date	Mar 12, 2008
Book Page	OR212/802
Instrument	304793

Lender

Name	ADVANCED FINANCIAL SERVICES INC
Type	Subprime Lender
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2038

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Aug 22, 2023
Property Address	15 BAYS RD, GRAYSON, KY 41143-7592
Document Number	000504/390
Book / Page	504 / 390
Instrument Date	Aug 4, 2023
Instrument	568186
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$41.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 BAYS RD, GRAYSON, KY 41143-7592

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	102 GARDEN LN, GRAYSON, KY 41143-9266

Mortgage

Document Number	000504/393
Date	Aug 22, 2023
Book Page	504/393
Instrument	568187

Lender

Name	THE COMMERCIAL BANK OF GRAYSON
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 4, 2043

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	15 BAYS RD, GRAYSON, KY 41143-7592
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR427/741
Date	Mar 17, 2020
Book Page	OR427/741
Instrument	422295

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 1, 2035

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	$554.00 (+246.25%)	$65,000 (-)	$65,000 (-)
2023	$160.00 Homeowner's exemption	$65,000	$65,000

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	Moderate above 42% of the US · above 73% 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	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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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