3735 Gratz Rd, Owenton, KY 40359 Property Records

Owen County property record for 3735 Gratz Rd, Owenton, KY 40359

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,296 sqft · built 1970
Lot Size	1.35 acres (58,806 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Sep 2021)
Tax Bill	$1,868 (2025)
Deeds & Mortgages	Aug 2026 Transfer Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-00-00-004.04`

Property Details

APN / Parcel Number

Primary APN	`036-00-00-004.04`
Alternative APN	`9511`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	58,806 sqft (1.35 acres)
Porch	Slab
Porch Area	66 sqft
Deck Area	160 sqft

Location & Zoning

Account Number	9511
Street Address	3735 GRATZ RD
City	OWENTON
State	KY
Zip	40359-8536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE/1.35 AC
Jurisdiction	OWEN KY
Township / Civil Division	OWENTON
Census Block Group	2
Census Block	2007
Census Tract	970201

Owner

3735 Gratz Rd is owned and occupied by an individual who acquired it in August 2026.

Source: Owen County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	3735 GRATZ RD, OWENTON, KY 40359-8536
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
Aug 10, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 28, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICE CO
Aug 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS UNION BANK OF SHELBYVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021 · Amount on File
Deed Sale	Sep 28, 2021 · Amount on File
Deed Document Number	20213452
Deed Book / Page	264 / 633
Last Transfer Date	Aug 10, 2026
Transfer Doc	0001211701
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OWEN KY
Recording Date	Aug 10, 2026
Property Address	3735 GRATZ RD, OWENTON, KY 40359-8536
Document Number	0001211701
Book / Page	282 / 503
Instrument Date	Aug 10, 2026
Instrument	20261211701
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3735 GRATZ RD, OWENTON, KY 40359-8536

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN KY
Recording Date	Sep 28, 2021
Property Address	3735 GRATZ RD, OWENTON, KY 40359-8536
Document Number	DEED264/633
Book / Page	DEED 264 / 633
Instrument Date	Sep 23, 2021
Instrument	2021003452
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3535 GRATZ RD, 3535, OWENTON, KY 40359-8557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3735 GRATZ RD, OWENTON, KY 40359-8536

Mortgage

Document Number	MTG31021
Date	Sep 28, 2021
Instrument	MTG 310/21

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN KY
Property Address	3735 GRATZ RD, OWENTON, KY 40359-8536
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG278/337
Date	Aug 25, 2018
Book Page	MTG 278/337
Instrument	2018002619

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 3735 Gratz Rd was $1,868.

Source: Owen County assessment roll, as of November 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,868.00	$155,000	$155,000
2023	$1,836.00	$155,000	$155,000

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

Flood

FEMA maps place 3735 Gratz Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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	4 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, 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 3735 Gratz Rd is low, with a 0.01% 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	0.01% 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	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: T-Mobile.

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