2120 Gray Ct, Hebron, KY 41048 Property Records

Boone County property record for 2120 Gray Ct, Hebron, KY 41048

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,480 sqft · built 2021
Lot Size	0.286 acres (12,458 sqft)
Owner	2 Individual Names on File
Last Sale	$312,590 (Apr 2021)
Tax Bill	$3,380 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036.00-18-030.00`

Property Details

APN / Parcel Number

Primary APN	`036.00-18-030.00`
Alternative APN	`54155`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,480 sqft Finished Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Lot Area	12,458 sqft (0.286 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2120 GRAY CT
City	HEBRON
State	KY
Zip	41048-7581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 SEC 4 SAWGRASS
Legal Subdivision	SAWGRASS SUBDIVISION
Legal Lot Number	30
Jurisdiction	BOONE KY
Township / Civil Division	HEBRON
Census Block Group	2
Census Block	2003
Census Tract	70407

Owner

2120 Gray Ct is owned and occupied by two individuals who bought it in April 2021.

Source: Boone County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2120 GRAY CT, HEBRON, KY 41048-7581
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 28, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 23, 2021	Deed, Subdivision Related Transfer · Conventional Mortgage VICTORY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on File
Deed Sale	Apr 23, 2021 · Amount on File
Deed Document Number	2021833491
Deed Book / Page	1164 / 384
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	2120 GRAY CT, HEBRON, KY 41048-7581
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2120 GRAY CT, HEBRON, KY 41048-7581

Mortgage

Document Number	0M4890/355
Date	Jan 28, 2026
Book Page	M4890/355
Instrument	1214723

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	294 Months
Due	Jun 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	2120 GRAY CT, HEBRON, KY 41048-7581
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M4513/209
Date	Sep 9, 2021
Book Page	M4513/209
Instrument	847320

Lender

Name	TRUIST BANK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Aug 16, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	BOONE KY
Recording Date	Apr 23, 2021
Property Address	2120 GRAY CT, HEBRON, KY 41048-7581
Document Number	D1164/384
Book / Page	D1164 / 384
Map Reference	CAB 6 PG 315
Instrument Date	Apr 14, 2021
Instrument	833491
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 16, 2021
Title Company	HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGENCY LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3940 OLYMPIC BLVD STE 400, 3940, ERLANGER, KY 41018-3593

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2120 GRAY CT, HEBRON, KY 41048-7581

Mortgage

Document Number	833492
Date	Apr 23, 2021
Instrument	833492

Lender

Name	VICTORY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2120 Gray Ct was $3,380.

Source: Boone County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Boone County
Unified School District	Boone County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,380.00	$312,600 Land $57,700 Building $254,900
2024			$312,600 (-) Land $57,700 Building $254,900
2023	$3,413.00 (+1.79%)	$312,600 (-) Land $57,700 Building $254,900	$312,600 (-) Land $57,700 Building $254,900
2022	$3,353.00	$312,600 Land $57,700 Building $254,900	$312,600 Land $57,700 Building $254,900

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

Flood

FEMA maps place 2120 Gray Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 21, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2120 Gray Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% 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	BOONE CO WATER & SEWER DISTRICT serves 66,300 people · EPA ID KY0080034
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	1 ppb (2024–2026) 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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