2840 Summit Rd, Big Clifty, KY 42712 Property Records

Grayson County property record for 2840 Summit Rd, Big Clifty, KY 42712

Property Summary

Property Type	Single Family Home
Lot Size	25 acres (1,089,000 sqft)
Owner	2 Individual Names on File
Last Sale	$64,500 (Jul 2025)
Tax Bill	$81 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`134-00-00-001`

Property Details

APN / Parcel Number

Primary APN	`134-00-00-001`
Alternative APNs	`155130` `168458`

Exterior

Lot Area	1,089,000 sqft (25 acres)

Location & Zoning

Account Number	168458
Street Address	2840 SUMMIT RD
City	BIG CLIFTY
State	KY
Zip	42712-6914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.248 & H & B & B
Legal Subdivision	PLEASANT RIDGE
Legal Tract	2
Legal Lot Number	2
Jurisdiction	GRAYSON KY
Township / Civil Division	CLARKSON
Census Block Group	3
Census Block	3024
Census Tract	950200

Owner

2840 Summit Rd is owned and occupied by two individuals who bought it in July 2025.

Source: Grayson County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2840 SUMMIT RD, BIG CLIFTY, KY 42712-6914
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 30, 2026	Deed of Trust, Mortgage · Line of Credit WILSON & MUIR BANK & TRUST CO
Jun 2, 2025	Deed of Trust, Mortgage · Closed-End Mortgage BANK OF CLARKSON
Jul 15, 2025	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2025 · Amount on File
Deed Sale	Jul 15, 2025 · Amount on File
Prior Sale	Apr 8, 2022 · Amount on File
Deed Book / Page	541 / 698
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON KY
Property Address	2840 SUMMIT RD, BIG CLIFTY, KY 42712-6914
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2840 SUMMIT RD, BIG CLIFTY, KY 42712-6914

Mortgage

Document Number	00M30L/672
Date	Jan 30, 2026
Book Page	M30-L/672
Instrument	1778402

Lender

Name	WILSON & MUIR BANK & TRUST CO
Type	Bank
Address	BIG CLIFTY, KY 42712

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 23, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON KY
Property Address	2840 SUMMIT RD, BIG CLIFTY, KY 42712-6914
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 MORRISON RD, BIG CLIFTY, KY 42712-6850

Mortgage

Document Number	00M29U/500
Date	Jun 2, 2025
Book Page	M29-U/500

Lender

Name	BANK OF CLARKSON
Type	Bank
Address	CLARKSON, KY 42726

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	299 Months
Due	May 24, 2050

July 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	GRAYSON KY
Recording Date	Jul 15, 2025
Property Address	2840 SUMMIT RD, BIG CLIFTY, KY 42712-6914
Document Number	00D541/698
Book / Page	D541 / 698
Map Reference	CAB 2 SL 524
Instrument Date	Jul 10, 2025
Instrument	1768423
Record Updated	Nov 27, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	170 PEARL OAK RD, CLARKSON, KY 42726-8653

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2840 SUMMIT RD, BIG CLIFTY, KY 42712-6914

Tax Assessment & Valuation

The 2025 property tax bill for 2840 Summit Rd was $81 with a homeowner's exemption.

Source: Grayson County assessment roll, as of December 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$53,500 (-) Land $17,000 Building $36,500	$53,500 (-) Land $17,000 Building $36,500
2025	$81.00 Homeowner's exemption	$53,500 Land $17,000 Building $36,500	$53,500 Land $17,000 Building $36,500
2023	$461.00	$43,000 Land $11,000 Building $32,000	$60,000 Land $28,000 Building $32,000

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

Flood

FEMA maps place 2840 Summit Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 19, 2012

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 2840 Summit Rd is low, with a 0.02% 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	0.02% 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 COUNTY WATER DISTRICT serves 20,033 people · EPA ID KY0430616
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summit Rd

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