525 Falls Ln, Grayson, KY 41143 Property Records

Carter County property record for 525 Falls Ln, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,920 sqft · built 1974
Lot Size	1.99 acres (86,902 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Mar 2025)
Tax Bill	$2,047 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103-00-00-039.00`

Property Details

APN / Parcel Number

Primary APN	`103-00-00-039.00`
Alternative APNs	`36037` `3900`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,920 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	86,902 sqft (1.99 acres)
View / Lot	Waterfront - Canal
Driveway	Driveway

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	36037
Street Address	525 FALLS LN
City	GRAYSON
State	KY
Zip	41143-7554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.995 ACRES
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	2
Census Block	2032
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	2 Individual Names on Record
Mailing Address	525 FALLS LN, GRAYSON, KY 41143-7554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF GRAYSON
Mar 26, 2025	Warranty Deed, Transfer · VA Mortgage EZ MORTGAGE INC
Jan 4, 2010	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Prior Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	20251005016
Deed Book / Page	534 / 30
Prior Transfer Date	Jan 4, 2010
Prior Transfer Doc	0OR247/597
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	525 FALLS LN, GRAYSON, KY 41143-7554
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 FALLS LN, GRAYSON, KY 41143-7554

Mortgage

Document Number	000515/516
Date	Mar 18, 2024
Book Page	515/516
Instrument	991280

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	200 S CAROL MALONE BLVD, GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

Interest

Rate Type	Adjustable Rate

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Mar 26, 2025
Property Address	525 FALLS LN, GRAYSON, KY 41143-7554
Document Number	0000534/30
Book / Page	534 / 30
Instrument Date	Mar 20, 2025
Instrument	1005016
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	EAGLE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 FALLS LN, GRAYSON, KY 41143-7058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 FALLS LN, GRAYSON, KY 41143-7554

Mortgage

Document Number	0000534/40
Date	Mar 26, 2025
Book Page	534/40
Instrument	1005021

Lender

Name	EZ MORTGAGE INC
Type	Mortgage Company
Address	2021 13TH ST, ASHLAND, KY 41101

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

January 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Jan 4, 2010
Property Address	525 FALLS LN, GRAYSON, KY 41143-7554
Document Number	0OR247/597
Book / Page	OR247 / 597
Map Reference	MB167 PG238
Instrument Date	Jan 4, 2010
Instrument	325580
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 FALLS LN, GRAYSON, KY 41143-7554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 FALLS LN, GRAYSON, KY 41143-7554

Tax Assessment & Valuation

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	$2,047.00 (+732.11%)	$240,000 (+22%)	$240,000 (+22%)
2023	$246.00 Homeowner's exemption	$75,000	$75,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	9 (2002–2012)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Jul 2012 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 73% of Kentucky
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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