510 W Main St, Grayson, KY 41143 Property Records

Carter County property record for 510 W Main St, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1975
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Sep 2022)
Tax Bill	$1,279 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jun 2020 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-10-38-015.00`

Property Details

APN / Parcel Number

Primary APN	`104-10-38-015.00`
Alternative APNs	`27614` `32800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Terrain	Rolling
View / Lot	Waterfront - Canal
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	32800
Street Address	510 W MAIN ST
City	GRAYSON
State	KY
Zip	41143-1249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 1
Legal Subdivision	CARDINAL HILL SUBD
Legal Lot Number	1
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	510 W MAIN ST, GRAYSON, KY 41143-1249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 8, 2020	Deed, Transfer · Line of Credit THE COMMERCIAL BANK OF GRAYSON
Feb 8, 2017	Deed, Transfer · Line of Credit THE COMMERCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2022 · Amount on Record
Deed Sale	Sep 22, 2022 · Amount on Record
Prior Sale	Feb 28, 2022 · Amount on Record
Deed Document Number	2022553484
Deed Book / Page	486 / 227
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Feb 28, 2022
Property Address	510 W MAIN ST, GRAYSON, KY 41143-1249
Document Number	000472/499
Book / Page	472 / 499
Map Reference	MB 161 PG 206
Instrument Date	Feb 22, 2022
Instrument	540766
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	TITLE SUPPLIERS LLC, TITLE SUPPLIERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	809 CHERRYWOOD LN, GRAYSON, KY 41143-1713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 W MAIN ST, GRAYSON, KY 41143-1249

Mortgage

Document Number	0000540767
Date	Feb 28, 2022
Instrument	540767

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Jun 8, 2020
Property Address	510 W MAIN ST, GRAYSON, KY 41143-1249
Document Number	00OR432/27
Book / Page	OR432 / 27
Instrument Date	May 30, 2020
Instrument	423094
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2013 DEVON LN, ASHLAND, KY 41102-8657

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	510 W MAIN ST, GRAYSON, KY 41143-1249

Mortgage

Document Number	0000423095
Date	Jun 8, 2020
Instrument	423095

Lender

Name	THE COMMERCIAL BANK OF GRAYSON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 14, 2035

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Feb 8, 2017
Property Address	510 W MAIN ST, GRAYSON, KY 41143-1249
Document Number	0OR370/523
Book / Page	OR370 / 523
Map Reference	DD 161 PG 206
Instrument Date	Feb 3, 2017
Instrument	379180
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 W MAIN ST, GRAYSON, KY 41143-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 W MAIN ST, GRAYSON, KY 41143-1249

Mortgage

Document Number	0000379181
Date	Feb 8, 2017
Instrument	379181

Lender

Name	THE COMMERCIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2047

Interest

Rate Type	Adjustable Rate

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	$1,279.00 (-1.08%)	$150,000 (-)	$150,000 (-)
2023	$1,293.00	$150,000	$150,000

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 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 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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