709 Elm St, Grayson, KY 41143 Property Records

Carter County property record for 709 Elm St, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	960 sqft
Lot Size	0.292 acres (12,730 sqft)
Owner	2 Individual Names on Record
Tax Bill	$449 (2025)
Deeds & Mortgages	Aug 2014 Mortgage Jan 2005 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`104-40-02-028.00`

Property Details

APN / Parcel Number

Primary APN	`104-40-02-028.00`
Alternative APN	`1202`

Interior

Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Lot Area	12,730 sqft (0.292 acres)

Location & Zoning

Account Number	1202
Street Address	709 ELM ST
City	GRAYSON
State	KY
Zip	41143-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 2 PHILLIPS ADDITION
Legal Subdivision	PHILLIPS ADDITION
Legal Lot Number	2
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	2
Census Block	2008
Census Tract	960602

Owner

Source: Carter County records, as of June 30, 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 Record
Mailing Address	233 GREEN OAKS DR, GRAYSON, KY 41143-7088
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2014	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
Jan 12, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
Jul 19, 2013	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
May 23, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
Mar 3, 2026	Correction Deed
Feb 19, 2026	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 27, 2026
Transfer Doc	000553/657
Record Updated	Sep 20, 2026

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	709 ELM ST, GRAYSON, KY 41143-1425
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR327/693
Date	Aug 22, 2014
Book Page	OR327/693
Instrument	350141

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Address	GRAYSON, KY 41143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	229 Months
Due	Sep 1, 2033

Interest

Rate Type	Adjustable Rate

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	709 ELM ST, GRAYSON, KY 41143-1425
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR140/563
Date	Jan 12, 2005
Book Page	OR140/563
Instrument	001258

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Address	GRAYSON, KY 41143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jan 7, 2008

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	709 ELM ST, GRAYSON, KY 41143-1425
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR308/384
Date	Jul 19, 2013
Book Page	OR308/384
Instrument	345103

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Address	GRAYSON, KY 41143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2014

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	709 ELM ST, GRAYSON, KY 41143-1425
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0OR286/788
Date	May 23, 2012
Book Page	OR286/788
Instrument	338482

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Address	GRAYSON, KY 41143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2022

March 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	CARTER KY
Recording Date	Mar 3, 2026
Property Address	709 ELM ST, GRAYSON, KY 41143-1425
Document Number	000553/657
Book / Page	553 / 657
Map Reference	MB 113 PG 541
Instrument Date	Feb 27, 2026
Instrument	1024970
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	709 ELM ST, GRAYSON, KY 41143-1425

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 464, GRAYSON, KY 41143-0464

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARTER KY
Recording Date	Feb 19, 2026
Property Address	709 ELM ST, GRAYSON, KY 41143-1425
Document Number	0000553/60
Book / Page	553 / 60
Instrument Date	Feb 19, 2026
Instrument	1024574
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	709 ELM ST, GRAYSON, KY 41143-1425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 464, GRAYSON, KY 41143-0464

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	$449.00 (-1.1%)	$52,700 (-)	$52,700 (-)
2023	$454.00	$52,700	$52,700

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 65% of the US · above 67% 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Foothills Communications.

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