316 Hugh St, Grayson, KY 41143 Property Records

Carter County property record for 316 Hugh St, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,612 sqft · built 1991
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Aug 2021)
Tax Bill	$818 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Aug 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`104-70-10-046.00`

Property Details

APN / Parcel Number

Primary APN	`104-70-10-046.00`
Alternative APN	`32199`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,612 sqft Living Area
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
View / Lot	Waterfront - Canal
Driveway	Driveway
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	32199
Street Address	316 HUGH ST
City	GRAYSON
State	KY
Zip	41143-1909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOTS 46 & 48B (1.08 ACRES)
Legal Subdivision	HAMMON ESTATES SUBDIVISION
Legal Lot Number	46,48B
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	2
Census Block	2043
Census Tract	960602

Owner

316 Hugh St is owned and occupied by an individual who bought it in August 2021.

Source: Carter County records, as of April 2, 2026

Owner of Record	Individual Name on File
Mailing Address	316 HUGH ST, GRAYSON, KY 41143-1909
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
Dec 14, 2023	Deed of Trust, Mortgage · Line of Credit THE COMMERCIAL BANK OF GRAYSON
Aug 19, 2021	Deed, Transfer · Line of Credit THE COMMERCIAL BANK OF GRAYSON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Deed Document Number	2021508367
Deed Book / Page	460 / 601
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	316 HUGH ST, GRAYSON, KY 41143-1909
Transaction Type	Mortgage
Record Updated	Jan 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 HUGH ST, GRAYSON, KY 41143-1909

Mortgage

Document Number	000511/134
Date	Dec 14, 2023
Book Page	511/134
Instrument	573438

Lender

Name	THE COMMERCIAL BANK OF GRAYSON
Type	Bank
Address	109 N CAROL MALONE BLVD, GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 5, 2043

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Aug 19, 2021
Property Address	316 HUGH ST, GRAYSON, KY 41143-1909
Document Number	OR460/601
Book / Page	OR460 / 601
Instrument Date	Aug 9, 2021
Instrument	508367
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 HUGH ST, 316, GRAYSON, KY 41143-1909

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	316 HUGH ST, GRAYSON, KY 41143-1909

Mortgage

Document Number	508368
Date	Aug 19, 2021
Instrument	508368

Lender

Name	THE COMMERCIAL BANK OF GRAYSON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 15, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 316 Hugh St was $818 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$818.00	$145,000	$145,000
2023	$1,249.00	$145,000	$145,000

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

Flood

FEMA maps place 316 Hugh St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · 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
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Mar 2021 · 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

Wildfire risk around 316 Hugh St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 UTILITY COMMISSION serves 10,950 people · EPA ID KY0220164
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20

May also be available: Foothills Communications.

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