295 Higgins Br Rd, Gray, KY 40734 Property Records

Knox County property record for 295 Higgins Br Rd, Gray, KY 40734

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,262 sqft · built 1977
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,927 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-00-00-014.00`

Property Details

APN / Parcel Number

Primary APN	`054-00-00-014.00`
Alternative APNs	`328806` `390804` `9055`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,262 sqft Living Area
Basement Area	702 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Aluminum/Vinyl
Roof Type	Mansard
Roof Material	Metal
Lot Area	65,340 sqft (1.5 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Porch
Porch Area	108 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	9055
Street Address	295 HIGGINS BRANCH RD
City	GRAY
State	KY
Zip	40734-6745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.5 ACS MIDDLE FORK
Jurisdiction	KNOX KY
Township / Civil Division	GRAY
Census Block Group	1
Census Block	1026
Census Tract	930300

Owner

Source: Knox County records, as of December 22, 2025

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	409 N MAIN ST, BARBOURVILLE, KY 40906-1537
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
May 13, 2019	Deed of Trust, Mortgage · Line of Credit L&N FCU
Sep 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST STATE BANK
Jul 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage L&N FCU
Jul 22, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMONWEALTH CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 1999
Deed Sale	Apr 1, 1999
Deed Document Number	0000000316
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX KY
Property Address	295 HIGGINS BRANCH RD, GRAY, KY 40734-6745
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M481/217
Date	Feb 6, 2021
Book Page	M481/217
Instrument	247135

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jan 1, 2031

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX KY
Property Address	295 HIGGINS BRANCH RD, GRAY, KY 40734-6745
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M461/611
Date	May 13, 2019
Book Page	M461/611
Instrument	238658

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX KY
Property Address	295 HIGGINS BRANCH RD, GRAY, KY 40734-6745
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M446/362
Date	Sep 29, 2017
Book Page	M446/362
Instrument	229363

Lender

Name	THE FIRST STATE BANK
Type	Bank
Address	BARBOURSVILLE, WV 25504

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX KY
Property Address	295 HIGGINS BRANCH RD, GRAY, KY 40734-6745
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M500/605
Date	Jul 18, 2022
Book Page	M500/605
Instrument	254235

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2032

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX KY
Property Address	295 HIGGINS BRANCH RD, GRAY, KY 40734-6745
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M527/280
Date	Jul 22, 2025
Book Page	M527/280
Instrument	275489

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

Source: Knox County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,927.00 (+15.11%)	$180,800 (+18.56%) Land $15,000 Building $165,800	$180,800 (+18.56%) Land $15,000 Building $165,800
2023	$1,674.00	$152,500	$152,500

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 May 17, 2021 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1998–2020)
Most Recent Claim	Feb 2020 · 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	High above 71% of the US · above 84% of Kentucky
Wildfire Likelihood	0.4% 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	BARBOURVILLE UTILITIES serves 16,420 people · EPA ID KY0610016
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017
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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OnPoint Broadband Fiber	10,000 / 10,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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