709 Circle Dr, Grayson, KY 41143 Property Records

Carter County property record for 709 Circle Dr, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,104 sqft · built 1976
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jan 2025)
Tax Bill	$1,492 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`104-40-03-002.00`

Property Details

APN / Parcel Number

Primary APN	`104-40-03-002.00`
Alternative APNs	`26535` `35841`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,104 sqft Living Area
Basement Area	336 sqft
Unfinished Basement	312 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Terrain	Rolling
View / Lot	Waterfront - Canal
Garage Type	Basement
Garage Area	216 sqft
Driveway	Asphalt Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	35841
Street Address	709 CIRCLE DR
City	GRAYSON
State	KY
Zip	41143-1448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	2
Census Block	2010
Census Tract	960602

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	Individual Name on Record
Mailing Address	709 CIRCLE DR, GRAYSON, KY 41143-1448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Line of Credit THE COMMERCIAL BANK OF GRAYSON
Jan 13, 2025	Deed of Trust, Mortgage · USDA Mortgage STOCKTON MORTGAGE CORP
Jan 13, 2025	Deed, Transfer
Dec 16, 2015	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2025 · Amount on Record
Deed Sale	Jan 13, 2025 · Amount on Record
Prior Sale	Dec 16, 2015 · Amount on Record
Deed Document Number	20251002891
Deed Book / Page	530 / 14
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	709 CIRCLE DR, GRAYSON, KY 41143-1448
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 CIRCLE DR, GRAYSON, KY 41143-1448

Mortgage

Document Number	000499/468
Date	May 18, 2023
Book Page	499/468
Instrument	566171

Lender

Name	THE COMMERCIAL BANK OF GRAYSON
Type	Bank
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 30, 2043

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	709 CIRCLE DR, GRAYSON, KY 41143-1448
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 ELM ST B, B, GRAYSON, KY 41143-1404
Investor	Possibly a Property Investor

Mortgage

Document Number	0000530/36
Date	Jan 13, 2025
Book Page	530/36
Instrument	1002893

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	88 C MICHAEL DAVENPORT BLVD, FRANKFORT, KY 40601

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

January 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Jan 13, 2025
Property Address	709 CIRCLE DR, GRAYSON, KY 41143-1448
Document Number	0000530/14
Book / Page	530 / 14
Instrument Date	Jan 3, 2024
Instrument	1002891
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 SIMMONS LOOP RD, SANDY HOOK, KY 41171-7122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 CIRCLE DR, GRAYSON, KY 41143-1448
Investor	Possibly a Property Investor

December 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Dec 16, 2015
Property Address	709 CIRCLE DR, GRAYSON, KY 41143-1448
Document Number	0OR350/800
Book / Page	OR350 / 800
Instrument Date	Dec 7, 2015
Instrument	369438
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 BRADFORD ST, GRAYSON, KY 41143-1608

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	709 CIRCLE DR, GRAYSON, KY 41143-1448

Mortgage

Document Number	0000369442
Date	Dec 16, 2015
Instrument	369442

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

Source: Carter County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Carter County
Municipality	Grayson City
Unified School District	Carter County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,492.00 (+82.4%)	$175,000 (+84.21%)	$175,000 (+84.21%)
2023	$818.00	$95,000	$95,000

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	0.02% 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.

Nearby Properties on Circle Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures