Owen County property record for 4965 Gratz Rd, Owenton, KY 40359
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,216 sqft · built 1921 |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Sep 2025) |
| Tax Bill | $839 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-00-00-017.01 |
| Primary APN | 037-00-00-017.01 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,216 sqft Living Area |
| Year Built | Built 1921 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Sewer | Connected |
|---|
| Account Number | 7285 |
|---|---|
| Street Address | 4965 GRATZ RD |
| City | OWENTON |
| State | KY |
| Zip | 40359-8698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT/ HOUSE/IMPS |
| Jurisdiction | OWEN KY |
| Township / Civil Division | OWENTON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 970201 |
Source: Owen County records, as of November 19, 2025
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 | 4965 GRATZ RD, OWENTON, KY 40359-8698 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2024 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF KENTUCKY |
| Sep 29, 2025 | Warranty Deed, Transfer · FHA Mortgage NFM LENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on Record |
| Deed Sale | Sep 29, 2025 · Amount on Record |
| Deed Document Number | 1181194 |
| Deed Book / Page | D279 / 173 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN KY |
| Property Address | 4965 GRATZ RD, OWENTON, KY 40359-8698 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4965 GRATZ RD, OWENTON, KY 40359-8698 |
| Document Number | 00M333/394 |
|---|---|
| Date | May 13, 2024 |
| Book Page | M333/394 |
| Instrument | 1171341 |
| Name | FIRST NATIONAL BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | CARROLLTON, KY 41008 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 3, 2054 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN KY |
| Recording Date | Sep 29, 2025 |
| Property Address | 4965 GRATZ RD, OWENTON, KY 40359-8698 |
| Document Number | 00D279/173 |
| Book / Page | D279 / 173 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 1181194 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 625 GRATZ RD, OWENTON, KY 40359-8677 |
| Name | Verified Name |
|---|---|
| Address | 4965 GRATZ RD, OWENTON, KY 40359-8698 |
| Document Number | 000M346361 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | M346/361 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
Source: Owen County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Owen County |
| Unified School District | Owen County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $839.00 (+2.69%) | $68,000 (-) | $68,000 (-) |
| 2024 | $817.00 (-0.97%) | $68,000 (-) | $68,000 (-) |
| 2023 | $825.00 | $68,000 | $68,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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