716 Elm St, Grayson, KY 41143 Property Records

Carter County property record for 716 Elm St, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1990
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Mar 2026)
Tax Bill	$60 (2022)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`104-40-02-023.00`

Property Details

APN / Parcel Number

Primary APN	`104-40-02-023.00`
Alternative APN	`25980`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
View / Lot	Waterfront - Canal
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Electric

Location & Zoning

Account Number	25980
Street Address	716 ELM ST
City	GRAYSON
State	KY
Zip	41143-1404
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	2008
Census Tract	960602

Owner

716 Elm St is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1005, GRAYSON, KY 41143-5005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE
Oct 14, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2026 · Amount on File
Deed Sale	Mar 4, 2026 · Amount on File
Deed Document Number	20261024990
Deed Book / Page	553 / 706
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Jul 28, 2026
Property Address	716 ELM ST, GRAYSON, KY 41143-1404
Document Number	0001031272
Book / Page	561 / 735
Instrument Date	Jul 24, 2026
Instrument	20261031272
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	SPRINGDALE TITLE LLC, SPRINGDALE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,635.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	716 ELM ST, GRAYSON, KY 41143-1404

Mortgage

Document Number	0001031276,
Date	Jul 28, 2026
Instrument	20261031276

Lender

Name	STOCKTON MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTER KY
Recording Date	Oct 14, 2025
Property Address	716 ELM ST, GRAYSON, KY 41143-1404
Document Number	000546/669
Book / Page	546 / 669
Instrument Date	Oct 12, 2025
Instrument	1012610
Transaction Type	Transfer
Record Updated	Oct 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	567 OLD 773, GRAYSON, KY 41143-8238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 ELM ST, GRAYSON, KY 41143-1404

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
2022	$60.00 Homeowner's exemption	$47,500	$47,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 716 Elm St 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 716 Elm St 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 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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