604 Kelley Ln, Grayson, KY 41143 Property Records

Carter County property record for 604 Kelley Ln, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1970
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$57,500 (Dec 2023)
Tax Bill	$835 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2008 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-40-07-021.00`

Property Details

APN / Parcel Number

Primary APN	`104-40-07-021.00`
Alternative APN	`21074`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
View / Lot	Waterfront - Canal
Garage Type	Attached
Garage Area	364 sqft
Driveway	Asphalt Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Gas

Location & Zoning

Account Number	21074
Street Address	604 KELLEY LN
City	GRAYSON
State	KY
Zip	41143-1807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 47 & PART OF 48 PLAT B
Legal Subdivision	ROLLING HILLS
Legal Block	B
Legal Lot Number	47
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	2
Census Block	2042
Census Tract	960602

Owner

604 Kelley Ln is owned and occupied by an individual who bought it in December 2023.

Source: Carter County records, as of April 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	604 KELLEY LN, GRAYSON, KY 41143-1807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Aug 6, 2008	Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2023 · Amount on File
Deed Sale	Dec 14, 2023 · Amount on File
Prior Sale	Jan 12, 2010 · Amount on File
Deed Document Number	2023573443
Deed Book / Page	511 / 165
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	604 KELLY LN, GRAYSON, KY 41143-1807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR442/83
Date	Nov 2, 2020
Book Page	OR442/83
Instrument	474925

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2040

August 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Aug 6, 2008
Property Address	604 KELLEY LN, GRAYSON, KY 41143-1807
Document Number	0OR222/070
Book / Page	OR222 / 070
Map Reference	DD141 PG238 CAB1
Instrument Date	Aug 6, 2008
Instrument	311306
Transaction Type	Transfer
Record Updated	Jan 31, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	530 RUPERT LN, GRAYSON, KY 41143-1146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 S STATE HIGHWAY 7, GRAYSON, KY 41143-6972

Mortgage

Document Number	0OR222/073
Date	Aug 6, 2008
Book Page	OR222/073
Instrument	311307

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Aug 6, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 604 Kelley Ln was $835.

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	$835.00	$98,000	$98,000
2023	$844.00	$98,000	$98,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 604 Kelley Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Mar 2021 · Severe, Storms, 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.

Wildfire

Wildfire risk around 604 Kelley Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 66% of Kentucky
Wildfire Likelihood	0.04% 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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Windstream.

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