403 Grayson St, Upton, KY 42784 Property Records

Hardin County property record for 403 Grayson St, Upton, KY 42784 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,725 sqft · built 1920
Lot Size	0.332 acres (14,462 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Sep 2010)
Tax Bill	$1,355 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Jan 2020 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`196-40-00-046`

Property Details

APN / Parcel Number

Primary APN	`196-40-00-046`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,725 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	14,462 sqft (0.332 acres)
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	403 GRAYSON ST
City	UPTON
State	KY
Zip	42784-9412
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	HARDIN KY
Township / Civil Division	SONORA
Census Block Group	2
Census Block	2037
Census Tract	1602

Owner

Source: Hardin County records · APN 196-40-00-046

Assessment roll updated January 20, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	403 GRAYSON ST, UPTON, KY 42784-9412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOAN INC
Jan 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 08, 2007	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY MORTGAGE
Mar 18, 2026	Intrafamily Transfer, Transfer
Jan 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 16, 2010	Deed, Transfer · FHA Mortgage BANK OF AMERICA NA
Dec 15, 2009	Commissioner's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 16, 2010 · Amount on Record
Deed Sale	Sep 16, 2010 · Amount on Record
Prior Sale	Dec 15, 2009 · Amount on Record
Deed Book / Page	1338 / 1119
Last Transfer Date	Mar 17, 2026
Transfer Doc	1598000414
Record Updated	Jun 08, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	403 GRAYSON ST, UPTON, KY 42784-9412
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002249/0000000167
Date	Oct 18, 2018
Book Page	0000002249/0000000167
Instrument	201800013105

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 01, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	403 GRAYSON ST, UPTON, KY 42784-9412
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02296/1245
Date	Jan 24, 2020
Book Page	2296/1245
Instrument	20200-00000981

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	325 Months
Due	Feb 01, 2047

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	403 GRAYSON ST, UPTON, KY 42784-9412
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	ACCELERATED TITLE, ACCELERATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001720/280
Date	Aug 08, 2007
Book Page	1720/280

Lender

Name	NATIONAL CITY MORTGAGE
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2037

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARDIN KY
Recording Date	Mar 18, 2026
Property Address	403 GRAYSON ST, UPTON, KY 42784-9412
Document Number	001598/414
Book / Page	1598 / 414
Instrument Date	Mar 17, 2026
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 SPRINGHILL DR, BARDSTOWN, KY 40004-2176

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 GRAYSON ST, UPTON, KY 42784-9412

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	403 GRAYSON ST, UPTON, KY 42784-9412
Transaction Type	Mortgage
Record Updated	Feb 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2296/1245
Date	Jan 24, 2020
Book Page	2296/1245
Instrument	20200-00000981

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	325 Months
Due	Feb 01, 2047

September 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Sep 16, 2010
Property Address	403 GRAYSON ST, UPTON, KY 42784-9412
Document Number	01338/1119
Book / Page	1338 / 1119
Instrument Date	Aug 31, 2010
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	391 SONORA NOLIN RD, SONORA, KY 42776-9352

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	403 GRAYSON ST, UPTON, KY 42784-9412

Mortgage

Document Number	0019531222
Date	Sep 16, 2010
Instrument	1953/1222

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2040

December 2009: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	HARDIN KY
Recording Date	Dec 15, 2009
Property Address	403 GRAYSON ST, UPTON, KY 42784-9412
Document Number	001314/614
Book / Page	1314 / 614
Instrument Date	Dec 01, 2009
Transaction Type	Foreclosure
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	391 SONORA NOLIN RD, SONORA, KY 42776-9352
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Hardin County records · Assessment roll updated January 20, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Hardin County
Municipality	Upton City
Unified School District	Hardin County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,355.00 (+7.03%)	$111,400 (-) Land $10,000 Building $101,400	$111,400 (-) Land $10,000 Building $101,400
2023		$111,400 Land $10,000 Building $101,400	$111,400 Land $10,000 Building $101,400
2021	$1,266.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hardin County (21093C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 161 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Brandenburg Communications	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
Uniti Group	DSL	200 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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