185 Forest Trl, Grayson, KY 41143 Property Records

Carter County property record for 185 Forest Trl, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	4,450 sqft · built 2007
Lot Size	11 acres (479,160 sqft)
Owner	Individual Name on Record
Tax Bill	$3,198 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`096-10-00-028.00`

Property Details

APN / Parcel Number

Primary APN	`096-10-00-028.00`
Alternative APN	`16609`

Interior

Stories	1 Story
Building Area	4,450 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	479,160 sqft (11 acres)
View / Lot	Waterfront - Canal
Driveway	Driveway

Location & Zoning

Account Number	16609
Street Address	185 FOREST TRL
City	GRAYSON
State	KY
Zip	41143-8727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 11 ACRES
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	1
Census Block	1016
Census Tract	960500

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	185 FOREST TRL, GRAYSON, KY 41143-8727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage DESCO FCU
Aug 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage DESCO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	185 FOREST TRL, GRAYSON, KY 41143-8727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR437/419
Date	Aug 25, 2020
Book Page	OR437/419
Instrument	454024

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	185 FOREST TRL, GRAYSON, KY 41143-8727
Transaction Type	Mortgage
Record Updated	Sep 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR397/225
Date	Aug 15, 2018
Book Page	OR397/225
Instrument	385625

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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	$3,198.00 (-1.05%)	$375,000 (-)	$375,000 (-)
2023	$3,232.00	$375,000	$375,000

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	11 (2002–2018)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Aug 2018
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, Jun 2003 · 4 claims

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 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.08% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	500 / 20
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Forest Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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