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22 Saddleburn Rd, Grayson, KY 41143 Property Records

Carter County property record for 22 Saddleburn Rd, Grayson, KY 41143

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,904 sqft · built 1990
Lot Size0.69 acres (30,056 sqft)
Owner2 Individual Names on File
Last Sale$155,000 (Jan 2023)
Tax Bill$2,686 (2025)
Deeds & MortgagesJun 2017 Line of Credit
Jul 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN103-00-00-126.00

Property Details

APN / Parcel Number

Primary APN103-00-00-126.00
Alternative APNs
  • 33258
  • 3482

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,904 sqft Living Area
Basement Area1,632 sqft
Unfinished Basement2,080 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialBrick
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area30,056 sqft (0.69 acres)
TerrainRolling
View / LotWaterfront - Canal
DrivewayDriveway

Exterior Amenities

PorchSlab
Porch Area144 sqft
Deck Area300 sqft
Patio Area300 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number33258
Street Address22 SADDLEBURN RD
CityGRAYSON
StateKY
Zip41143-9360
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & LOTS 70 & 1/2 OF 69
Legal Lot Number70
JurisdictionCARTER KY
Township / Civil DivisionGRAYSON
Census Block Group2
Census Block2042
Census Tract960500

Owner

Source: Carter County assessment roll, APN 103-00-00-126.00, as of April 2, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address22 SADDLEBURN RD, GRAYSON, KY 41143-9360
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 23, 2017Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Jul 20, 2022Deed, Transfer · FHA Mortgage
FIRST OPTION MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 04, 2023 · Amount on Record
Deed SaleJan 04, 2023 · Amount on Record
Prior SaleJul 20, 2022 · Amount on Record
Deed Document Number2023554681
Deed Book / Page492 / 71
Record UpdatedJun 08, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARTER KY
Property Address22 SADDLEBURN RD, GRAYSON, KY 41143-9360
Transaction TypeMortgage
Record UpdatedDec 16, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0OR376/781
DateJun 23, 2017
Book PageOR376/781
Instrument380697
Lender
NamePNC BANK NA
TypeBank
AddressASHLAND, KY 41101
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2022: Deed, Transfer

Document TypeDeed
JurisdictionCARTER KY
Recording DateJul 20, 2022
Property Address22 SADDLEBURN RD, GRAYSON, KY 41143-9360
Document Number000481/880
Book / Page481 / 880
Map ReferenceMB 171 PG 263
Instrument DateJul 19, 2022
Instrument552564
Transaction TypeTransfer
Record UpdatedDec 16, 2022
Title CompanyREPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$315.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1878 NORTHFORK RD, GREENUP, KY 41144-8465

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address2 SADDLEBURN RD, GRAYSON, KY 41143-9360

Mortgage

Document Number0000552565
DateJul 20, 2022
Instrument552565
Lender
NameFIRST OPTION MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

Tax Assessment & Valuation

Source: Carter County assessment roll as of April 2, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyCarter County
Unified School DistrictCarter County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,686.00 (-1.07%)$315,000 (-)$315,000 (-)
2023$2,715.00$315,000$315,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carter County (21043C), as of June 2, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210439605002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims9 (2002–2012)
Claims Outside the SFHA6 of 9
Most Recent ClaimJul 2012 · river or lake flooding
Claims by Event
  • Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims

Wildfire

Wildfire RiskLow
lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 30 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Uniti Group
Fiber		2,000 / 2,000
Optimum Communications
Cable		500 / 20
Verizon
Fixed Wireless		300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0220164, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemGRAYSON UTILITY COMMISSION
serves 10,950 people
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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