199 Lakepoint Dr, Grayson, KY 41143 Property Records

Carter County property record for 199 Lakepoint Dr, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	2,400 sqft · built 2003
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,407 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jan 2012 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`105-20-01-046.00`

Property Details

APN / Parcel Number

Primary APN	`105-20-01-046.00`
Alternative APN	`8545`

Interior

Stories	1 Story
Building Area	2,400 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.77 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Location & Zoning

Account Number	8545
Street Address	199 LAKEPOINT DR
City	GRAYSON
State	KY
Zip	41143-7197
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 46 SECTION 1 (0.77 ACRE)
Legal Subdivision	LANDSDOWNE ESTATES SEC 1
Legal Lot Number	46
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	2
Census Block	2035
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	199 LAKEPOINT DR, GRAYSON, KY 41143-7197
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Jan 27, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Jan 27, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
Aug 13, 2015	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC
Sep 10, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU

Assessor's Deed Record

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	199 LAKEPOINT DR, GRAYSON, KY 41143-7197
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR462/118
Date	Sep 10, 2021
Book Page	OR462/118
Instrument	518720

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	199 LAKEPOINT DR, GRAYSON, KY 41143-7197
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R281/528
Date	Jan 27, 2012
Book Page	0R281/528
Instrument	336982

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Address	GRAYSON, KY 41143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2027

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	199 LAKEPOINT DR, GRAYSON, KY 41143-7197
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR418/593
Date	Sep 26, 2019
Book Page	OR418/593
Instrument	390630

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2029

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	199 LAKEPOINT DR, GRAYSON, KY 41143-7197
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR281/528
Date	Jan 27, 2012
Book Page	OR281/528
Instrument	336982

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Address	GRAYSON, KY 41143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2027

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	199 LAKEPOINT DR, GRAYSON, KY 41143-7197
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR344/789
Date	Aug 13, 2015
Book Page	OR344/789
Instrument	323267

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	199 LAKEPOINT DR, GRAYSON, KY 41143-7197
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR462/118
Date	Sep 10, 2021
Book Page	OR462/118
Instrument	518720

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	199 LAKEPOINT DR, GRAYSON, KY 41143-7197
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR418/593
Date	Sep 26, 2019
Book Page	OR418/593
Instrument	390630

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2029

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	$1,407.00 (-1.05%)	$165,000 (-)	$165,000 (-)
2023	$1,422.00	$165,000	$165,000

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
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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Foothills Communications.

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