494 Winter Haven Ln, Grayson, KY 41143 Property Records

Carter County property record for 494 Winter Haven Ln, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	2,940 sqft
Lot Size	51.3 acres (2,235,064 sqft)
Owner	Individual Name on File
Last Sale	$12,000 (Aug 2005)
Tax Bill	$989 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106-00-00-132.00`

Property Details

APN / Parcel Number

Primary APN	`106-00-00-132.00`
Alternative APN	`5127`

Interior

Stories	1 Story
Building Area	2,940 sqft Building Perimeter

Exterior

Lot Area	2,235,064 sqft (51.3 acres)

Location & Zoning

Account Number	5127
Street Address	494 WINTER HAVEN LN
City	GRAYSON
State	KY
Zip	41143-6208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 51.31 ACRES
Jurisdiction	CARTER KY
Township / Civil Division	WILLARD
Census Block Group	3
Census Block	3005
Census Tract	960700

Owner

Source: Carter County records · APN 106-00-00-132.00

Assessment roll updated April 2, 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	494 WINTER HAVEN LN, GRAYSON, KY 41143-6208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 02, 2005 · Amount on Record
Deed Sale	Aug 02, 2005 · Amount on Record
Deed Document Number	200514182
Deed Book / Page	153 / 46
Record Updated	Jun 08, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	494 WINTER HAVEN LN, GRAYSON, KY 41143-6208
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR393/213
Date	May 30, 2018
Book Page	OR393/213
Instrument	384623

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 04, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Carter County records · Assessment roll updated April 2, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Carter County
Unified School District	Carter 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	$989.00 (-3.32%)	$165,000 (-)	$165,000 (-)
2023	$1,023.00 Homeowner's exemption	$165,000	$165,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carter County (21043C), as of June 2, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210439607003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	22 (1978–2025)
Claims Outside the SFHA	9 of 22
Most Recent Claim	Feb 2025 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims Severe Storms And Flooding, Mar 2002 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 4 claims

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 73% of Kentucky
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Foothills Rural Telephone Cooperative Corporation Fiber	1,000 / 1,000
Optimum Communications Cable	500 / 20

May also be available: Verizon.

Based on FCC filings for 7 locations within half a mile of this property.

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0220164, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GRAYSON UTILITY COMMISSION serves 10,950 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.