Carter County property record for 243 Oak Point Rd, Grayson, KY 41143
| Property Type | Single Family Home |
|---|---|
| Details | 1,824 sqft |
| Lot Size | 14 acres (609,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $252,000 (Nov 2021) |
| Tax Bill | $2,149 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120-10-00-004.00 |
| Primary APN | 120-10-00-004.00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,824 sqft Living Area |
| Basement Area | 2,016 sqft |
| Unfinished Basement | 2,016 sqft |
| Lot Area | 609,840 sqft (14 acres) |
|---|---|
| Terrain | Steep |
| View / Lot | Waterfront - Canal |
| Driveway | Driveway |
| Total Buildings | 2 Buildings |
| Account Number | 32527 |
|---|---|
| Street Address | 243 OAK POINT RD |
| City | GRAYSON |
| State | KY |
| Zip | 41143-8717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & GARAGE & LAND |
| Legal Subdivision | DAMRON MAYO |
| Jurisdiction | CARTER KY |
| Township / Civil Division | GRAYSON |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 960601 |
Source: Carter County assessment roll, APN 120-10-00-004.00, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 243 OAK POINT RD, GRAYSON, KY 41143-8717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 04, 2021 | Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 10, 2018 | Deed of Trust, Mortgage · ARM CITY NATIONAL BANK OF WEST VIRGINIA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 04, 2021 · Amount on Record |
| Deed Sale | Nov 04, 2021 · Amount on Record |
| Prior Sale | Aug 25, 2015 · Amount on Record |
| Deed Document Number | 2021539326 |
| Deed Book / Page | 465 / 391 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARTER KY |
| Recording Date | Nov 04, 2021 |
| Property Address | 243 OAK POINT RD, GRAYSON, KY 41143-8717 |
| Document Number | 0OR465/391 |
| Book / Page | OR465 / 391 |
| Instrument Date | Nov 03, 2021 |
| Instrument | 539326 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $252.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 454, GRAYSON, KY 41143-0454 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 243 OAK POINT RD, GRAYSON, KY 41143-8717 |
| Investor | Possibly a Property Investor |
| Document Number | 0000539327 |
|---|---|
| Date | Nov 04, 2021 |
| Instrument | 539327 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 243 OAK POINT RD, GRAYSON, KY 41143-8717 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | OR386/264 |
|---|---|
| Date | Jan 10, 2018 |
| Book Page | OR386/264 |
| Instrument | 382970 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|---|
| Type | Bank |
| Address | GRAYSON, KY 41143 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.4% |
| Type Change Date | Jan 01, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 6.4% |
| Index | 1-Year CMT |
| Max Rate | 8.4% |
Source: Carter County assessment roll as of April 2, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Carter County |
| Unified School District | Carter County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,149.00 (-1.06%) | $252,000 (-) | $252,000 (-) |
| 2023 | $2,172.00 | $252,000 | $252,000 |
Source: FEMA National Flood Hazard Layer, Carter County (21043C), as of June 2, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210439606011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 17 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 17 in force |
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection, 49 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Foothills Rural Telephone Cooperative Corporation Fiber | 1,000 / 1,000 |
| Optimum Communications Cable | 500 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| Uniti Group DSL | 200 / 20 |
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 System | GRAYSON UTILITY COMMISSION serves 10,950 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 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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