340 Hugh St, Grayson, KY 41143 Property Records

Carter County property record for 340 Hugh St, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1994
Lot Size	0.459 acres (20,023 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Oct 2024)
Tax Bill	$2,089 (2025)
Deeds & Mortgages	May 2019 Line of Credit Apr 2010 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`104-70-10-049.00`

Property Details

APN / Parcel Number

Primary APN	`104-70-10-049.00`
Alternative APNs	`35713` `9479`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,023 sqft (0.459 acres)
Terrain	Rolling
View / Lot	Waterfront - Canal
Driveway	Driveway
Porch	Slab
Porch Area	1,300 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	35713
Street Address	340 HUGH ST
City	GRAYSON
State	KY
Zip	41143-1909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOTS 48A, 49 & 50
Legal Subdivision	HAMMON FARM ESTATE
Legal Lot Number	48A
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	2
Census Block	2043
Census Tract	960602

Owner

Source: Carter County records, as of April 2, 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 Record
Mailing Address	101 W STOVALL LN, GRAYSON, KY 41143-1499
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 30, 2019	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WEST VIRGINIA
Apr 15, 2010	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WEST VIRGINIA
Jun 23, 2025	Deed of Trust, Mortgage · Line of Credit THE COMMERCIAL BANK OF GRAYSON
Oct 31, 2024	Deed, Transfer · Line of Credit THE COMMERCIAL BANK OF GRAYSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2024 · Amount on Record
Deed Sale	Oct 31, 2024 · Amount on Record
Deed Document Number	20241001744
Deed Book / Page	527 / 85
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	340 HUGH ST, GRAYSON, KY 41143-1909
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR411/650
Date	May 30, 2019
Book Page	OR411/650
Instrument	388988

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	340 HUGH ST, GRAYSON, KY 41143-1909
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR252/001
Date	Apr 15, 2010
Book Page	OR252/001
Instrument	327766

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 26, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	340 HUGH ST, GRAYSON, KY 41143-1909
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 HUGH ST, GRAYSON, KY 41143-1909

Mortgage

Document Number	000539/712
Date	Jun 23, 2025
Book Page	539/712
Instrument	1008416

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 Recorded
Term	240 Months
Due	Jun 15, 2045

October 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Oct 31, 2024
Property Address	340 HUGH ST, GRAYSON, KY 41143-1909
Document Number	0000527/85
Book / Page	527 / 85
Map Reference	CAB 1 SLV 192A
Instrument Date	Oct 25, 2024
Instrument	1001744
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 W STOVALL LN, GRAYSON, KY 41143-1499

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	340 HUGH ST, GRAYSON, KY 41143-1909

Mortgage

Document Number	0000527/89
Date	Oct 31, 2024
Book Page	527/89
Instrument	1001745

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 Recorded
Term	12 Months
Due	Oct 25, 2025

Tax Assessment & Valuation

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	$2,089.00 (+749.19%)	$245,000 (+226.67%)	$245,000 (+226.67%)
2023	$246.00 Homeowner's exemption	$75,000	$75,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record 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

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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