Hardin County property record for 621 Grayson St, Upton, KY 42784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,372 sqft · built 1969 |
| Lot Size | 0.719 acres (31,320 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Jan 2025) |
| Tax Bill | $2,173 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Nov 2020 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 196-40-00-031 |
| Primary APN | 196-40-00-031 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,372 sqft Living Area |
| Basement Area | 1,372 sqft |
| Unfinished Basement | 1,372 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Lot Area | 31,320 sqft (0.719 acres) |
| Garage Type | Attached |
| Garage Area | 448 sqft |
| Patio Area | 48 sqft |
| Heating System | Central |
|---|
| Street Address | 621 GRAYSON ST |
|---|---|
| City | UPTON |
| State | KY |
| Zip | 42784-9458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | SONORA |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 1602 |
Source: Hardin County records, as of January 30, 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 Record |
|---|---|
| Mailing Address | 1447 CRESTVIEW DR, RADCLIFF, KY 40160-9594 |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jan 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage A&D MORTGAGE LLC |
| Nov 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage REPUBLIC STATE MORTGAGE CO |
| Nov 30, 2020 | Deed of Trust, Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Aug 4, 2020 | Deed of Trust, Mortgage · Construction Mortgage WEST POINT BANK |
| Aug 25, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Oct 11, 2022 | Deed, Transfer |
| Mar 25, 2020 | Deed, Transfer · Line of Credit WEST POINT BANK |
| Jan 27, 2020 | Special Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2025 · Amount on Record |
| Deed Sale | Jan 24, 2025 · Amount on Record |
| Prior Sale | Aug 25, 2023 · Amount on Record |
| Deed Book / Page | 1578 / 1521 |
| Prior Transfer Date | Feb 7, 2014 |
| Prior Transfer Doc | 001391/140 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 706 SLIPPERY ROCK CT, VINE GROVE, KY 40175-8660 |
| Document Number | 0002598/65 |
|---|---|
| Date | Jan 20, 2026 |
| Book Page | 2598/65 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT LAUDERDALE, FL 33309 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 002348/663 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 2348/663 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77006 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 002348/679 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 2348/679 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 121 Months |
| Due | Dec 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02326/1149 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 2326/1149 |
| Name | WEST POINT BANK |
|---|---|
| Type | Bank |
| Address | RADCLIFF, KY 40159 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 31, 2021 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Aug 25, 2023 |
| Property Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 001557/272 |
| Book / Page | 1557 / 272 |
| Instrument Date | Aug 22, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 550 W LINCOLN TRAIL BLVD STE 204, 204, RADCLIFF, KY 40160-2089 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 454, RADCLIFF, KY 40159-0454 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Oct 11, 2022 |
| Property Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 001542/878 |
| Book / Page | 1542 / 878 |
| Instrument Date | Sep 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $182.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1615 W LINCOLN TRAIL BLVD, RADCLIFF, KY 40160-2545 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Mar 25, 2020 |
| Property Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 01487/1386 |
| Book / Page | 1487 / 1386 |
| Instrument Date | Mar 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | CENTER POINT ROAD, WHITE MILLS, KY 42788 |
| Document Number | 0002304144 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 2304/144 |
| Name | WEST POINT BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 20, 2021 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Jan 27, 2020 |
| Property Address | 621 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 0001485/14 |
| Book / Page | 1485 / 14 |
| Instrument Date | Jan 22, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1231 LOUISVILLE RD, FRANKFORT, KY 40601-6156 |
Source: Hardin County assessment roll, as of January 20, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Municipality | Upton City |
| Unified School District | Hardin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,173.00 (+6.42%) | $182,000 (-) Land $10,800 Building $171,200 | $182,000 (-) Land $10,800 Building $171,200 |
| 2023 | $182,000 (+7.69%) Land $10,800 Building $171,200 | $182,000 (+7.69%) Land $10,800 Building $171,200 | |
| 2022 | $169,000 Land $10,800 Building $158,200 | $169,000 Land $10,800 Building $158,200 | |
| 2021 | $2,042.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025
| 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.
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 | HARDIN COUNTY WATER DISTRICT #2 serves 76,326 people · EPA ID KY0470175 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 6 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 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brandenburg Telecom Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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