414 W Main St, Grayson, KY 41143 Property Records

Carter County property record for 414 W Main St, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,048 sqft
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$81,000 (Mar 2017)
Tax Bill	$759 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-10-38-009.00`

Property Details

APN / Parcel Number

Primary APN	`104-10-38-009.00`
Alternative APN	`27712`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,048 sqft Living Area
Family Room	Family Room

Exterior

Exterior Material	Other
Construction Type	Frame
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Terrain	Rolling
View / Lot	Waterfront - Canal
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	32 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	27712
Street Address	414 W MAIN ST
City	GRAYSON
State	KY
Zip	41143-1247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT (2 PARCELS)
Legal Lot Number	2
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	3
Census Block	3017
Census Tract	960500

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	Individual Name on Record
Mailing Address	414 W MAIN ST, GRAYSON, KY 41143-1247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2018	Deed of Trust, Mortgage · Line of Credit DESCO FCU
Mar 15, 2017	Deed, Transfer · Conventional Mortgage DESCO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2017 · Amount on Record
Deed Sale	Mar 15, 2017 · Amount on Record
Deed Document Number	2017379553
Deed Book / Page	372 / 172
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	414 W MAIN ST, GRAYSON, KY 41143-1247
Transaction Type	Mortgage
Record Updated	Jul 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR393/358
Date	Jun 4, 2018
Book Page	OR393/358
Instrument	384664

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 15, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Mar 15, 2017
Property Address	414 W MAIN ST, GRAYSON, KY 41143-1247
Document Number	0OR372/172
Book / Page	OR372 / 172
Instrument Date	Mar 14, 2017
Instrument	379553
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 W MAIN ST, 414, GRAYSON, KY 41143-1247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 W MAIN ST, GRAYSON, KY 41143-1247

Mortgage

Document Number	0000379554
Date	Mar 15, 2017
Instrument	379554

Lender

Name	DESCO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2032

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	$759.00 (-1.04%)	$89,000 (-)	$89,000 (-)
2023	$767.00	$89,000	$89,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 67% of the US · above 66% of Kentucky
Wildfire Likelihood	0.02% 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 257 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	2,000 / 200
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum.

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