Hardin County property record for 545 Grayson St, Upton, KY 42784 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1966 |
| Square Footage | 1,068 sqft Living Area |
| Lot Size | 56,628 sqft (1.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $220,000 (2026) |
| Tax Bill | $1,860.00 (2025) |
Source: Hardin County records · APN 196-40-00-039
Assessment roll updated January 20, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 545 GRAYSON ST, UPTON, KY 42784-9459 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 14, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CMG MORTGAGE INC |
| May 14, 2026 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage CMG MORTGAGE INC |
| Dec 30, 2020 | Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 14, 2026 · Amount on Record |
| Deed Sale | May 14, 2026 · Amount on Record |
| Prior Sale | Dec 30, 2020 · Amount on Record |
| Deed Book / Page | 1600 / 1376 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | May 14, 2026 |
| Property Address | 545 GRAYSON ST, UPTON, KY 42784-9459 |
| Document Number | 2614001584 |
| Book / Page | 2614 / 1584 |
| Instrument Date | May 13, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 526 DIECKS DR, ELIZABETHTOWN, KY 42701-2306 |
| Document Number | 2614001584, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 2614/1584 |
| Name | CMG MORTGAGE INC |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | May 14, 2026 |
| Property Address | 545 GRAYSON ST, UPTON, KY 42784-9459 |
| Document Number | 1600001376 |
| Book / Page | 1600 / 1376 |
| Instrument Date | May 13, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,220.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 545 GRAYSON ST, UPTON, KY 42784-9459 |
| Document Number | 2614001584, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 2614/1584 |
| Name | CMG MORTGAGE INC |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Dec 30, 2020 |
| Property Address | 545 GRAYSON ST, UPTON, KY 42784-9459 |
| Document Number | 001503/773 |
| Book / Page | 1503 / 773 |
| Instrument Date | Dec 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 221 BIG SPRINGS RD, UPTON, KY 42784-9460 |
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 101 LOCUST AVE, CARLISLE, KY 40311-9668 |
| Investor | Possibly a Property Investor |
| Document Number | 002354/120 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 2354/120 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
Source: Hardin County records · Assessment roll updated January 20, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Municipality | Upton City |
| Unified School District | Hardin County School District (PK - 12) |
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 | $1,860.00 (-0.85%) | $155,000 (-) Land $15,000 Building $140,000 | $155,000 (-) Land $15,000 Building $140,000 |
| 2023 | $155,000 Land $15,000 Building $140,000 | $155,000 Land $15,000 Building $140,000 | |
| 2021 | $1,876.00 |
Source: FEMA National Flood Hazard Layer, Hardin County (21093C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 196-40-00-039 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,068 sqft Living Area |
| Basement Area | 1,068 sqft Basement |
| Unfinished Basement | 1,068 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch Style |
| Exterior Material | Brick Exterior |
| Lot Area | 56,628 sqft (1.3 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 588 sqft Garage |
| Heating System | Central Heating |
|---|
| Street Address | 545 GRAYSON ST |
|---|---|
| City | UPTON |
| State | KY |
| Zip | 42784-9459 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | HARDIN KY |
| Minor Civil Division | SONORA |
| Census Blockgroup | 2 |
| Census Block | 2037 |
| Census Tract | 1602 |
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