Hardin County property record for 657 Grayson St, Upton, KY 42784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,360 sqft · built 1961 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $62,000 (Feb 2026) |
| Tax Bill | $2,301 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Feb 2026 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 196-40-00-030 |
| Primary APN | 196-40-00-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 28,750 sqft (0.66 acres) |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 224 sqft |
| Patio Area | 16 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Street Address | 657 GRAYSON ST |
|---|---|
| City | UPTON |
| State | KY |
| Zip | 42784-9458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIST:05 CITY/MUNI/TWP:UPTON(CITY) |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | SONORA |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 1602 |
Source: Hardin County records, as of February 26, 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 | 657 GRAYSON ST, UPTON, KY 42784-9458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2023 | Deed of Trust, Mortgage · Line of Credit ABOUND FCU |
| Feb 5, 2026 | Deed, Transfer · Line of Credit WEST POINT BANK |
| Dec 27, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 2026 · Amount on Record |
| Deed Sale | Feb 5, 2026 · Amount on Record |
| Deed Document Number | 0001596655 |
| Deed Book / Page | 1596 / 655 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 657 GRAYSON ST, UPTON, KY 42784-9458 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 657 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 002478/370 |
|---|---|
| Date | Apr 20, 2023 |
| Book Page | 2478/370 |
| Name | ABOUND FCU |
|---|---|
| Type | Credit Union |
| Address | RADCLIFF, KY 40159 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Feb 5, 2026 |
| Property Address | 657 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 001596/655 |
| Book / Page | 1596 / 655 |
| Instrument Date | Jan 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $62.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8106 SONORA RD, SONORA, KY 42776-9405 |
| Name | Verified Name |
|---|---|
| Address | 657 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 0002600564 |
|---|---|
| Date | Feb 5, 2026 |
| Instrument | 2600/564 |
| Name | WEST POINT BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 28, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Dec 27, 2022 |
| Property Address | 657 GRAYSON ST, UPTON, KY 42784-9458 |
| Document Number | 01545/1520 |
| Book / Page | 1545 / 1520 |
| Instrument Date | Dec 20, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $193.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 WATSON LN, CECILIA, KY 42724-8651 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 300 WHITEHALL ST, ELIZABETHTOWN, KY 42701-1632 |
Source: Hardin County assessment roll, as of April 1, 2025
| 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 | $2,301.00 (+154.25%) | $193,100 (-) Land $15,000 Building $178,100 | $193,100 (-) Land $15,000 Building $178,100 |
| 2023 | $193,100 Land $15,000 Building $178,100 | $193,100 Land $15,000 Building $178,100 | |
| 2021 | $905.00 |
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 | 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.
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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