409 Riverwood Dr, Grayson, KY 41143 Property Records

Carter County property record for 409 Riverwood Dr, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3,192 sqft
Lot Size	0.437 acres (19,055 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Sep 2021)
Tax Bill	$3,198 (2025)
Deeds & Mortgages	Dec 2013 Line of Credit Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`112-40-00-064.00`

Property Details

APN / Parcel Number

Primary APN	`112-40-00-064.00`
Alternative APN	`32272`

Interior

Stories	1 Story
Building Area	3,192 sqft Living Area

Exterior

Lot Area	19,055 sqft (0.437 acres)

Location & Zoning

Account Number	32272
Street Address	409 RIVERWOOD DR
City	GRAYSON
State	KY
Zip	41143-1763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 64 PHASE II
Legal Subdivision	GREENBRIER PLANTATION
Legal Block	II
Legal Lot Number	64
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	1
Census Block	1038
Census Tract	960602

Owner

409 Riverwood Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 RIVERWOOD DR, GRAYSON, KY 41143-1763
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 2, 2013	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 31, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Aug 1, 2011	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Sep 13, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 31, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Deed Document Number	2021528614
Deed Book / Page	462 / 148
Record Updated	Jun 8, 2026

December 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	409 RIVERWOOD DR, GRAYSON, KY 41143-1763
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR315/796
Date	Dec 2, 2013
Book Page	OR315/796
Instrument	346893

Lender

Name	PNC BANK NA
Type	Bank
Address	ASHLAND, KY 41102

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	409 RIVERWOOD DR, GRAYSON, KY 41143-1763
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR420/514
Date	Oct 31, 2019
Book Page	OR420/514
Instrument	391053

Lender

Name	PNC BANK NA
Type	Bank
Address	ASHLAND, KY 41102

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 9, 2034

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	409 RIVERWOOD DR, GRAYSON, KY 41143-1763
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR272/828
Date	Aug 1, 2011
Book Page	OR272/828
Instrument	334638

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2041

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Sep 13, 2021
Property Address	409 RIVERWOOD DR, GRAYSON, KY 41143-1763
Document Number	0OR462/148
Book / Page	OR462 / 148
Instrument Date	Sep 3, 2021
Instrument	528614
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 BERKSHIRE CT, HILTON HEAD, SC 29928-6117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	409 RIVERWOOD DR, GRAYSON, KY 41143-1763

Mortgage

Document Number	0000528615
Date	Sep 13, 2021
Instrument	528615

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	409 RIVERWOOD DR, GRAYSON, KY 41143-1763
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR420/514
Date	Oct 31, 2019
Book Page	OR420/514
Instrument	391053

Lender

Name	PNC BANK NA
Type	Bank
Address	ASHLAND, KY 41102

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 9, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 409 Riverwood Dr was $3,198.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,198.00	$375,000	$375,000
2023	$3,232.00	$375,000	$375,000

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

Flood

FEMA maps place 409 Riverwood Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force

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 409 Riverwood Dr is low, with a 0.03% 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	0.03% 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20

May also be available: Foothills Communications.

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