81 Empress Dr, Grayson, KY 41143 Property Records

Carter County property record for 81 Empress Dr, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	2,374 sqft · built 2014
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Oct 2026)
Tax Bill	$2,129 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2025 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112N-00-02-022.00`

Property Details

APN / Parcel Number

Primary APN	`112N-00-02-022.00`
Alternative APN	`25322`

Interior

Stories	1 Story
Building Area	2,374 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	50,965 sqft (1.17 acres)

Location & Zoning

Account Number	25322
Street Address	81 EMPRESS DR
City	GRAYSON
State	KY
Zip	41143-9400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOTS 22-23 PHASE II (1.17 ACRES)
Legal Subdivision	CAMPBELL LANE ESTATES
Legal Block	II
Legal Lot Number	22-23
Jurisdiction	CARTER KY
Township / Civil Division	GRAYSON
Census Block Group	1
Census Block	1015
Census Tract	960601

Owner

81 Empress Dr is owned by two individuals who bought it in October 2026.

Source: Carter County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 REGAL OAKS DR, BARBOURSVILLE, WV 25504-8136
Owner Type	Individual
Vesting	Remainderman

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
Oct 5, 2026	Warranty Deed, Transfer · Conventional Mortgage MEMBERS CHOICE CREDIT UNION
Oct 2, 2025	Warranty Deed, Transfer · Line of Credit PNC BANK NA
Apr 29, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2026 · Amount on File
Deed Sale	Oct 5, 2026 · Amount on File
Prior Sale	Oct 2, 2025 · Amount on File
Deed Document Number	20261033783
Deed Book / Page	565 / 781
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Oct 5, 2026
Property Address	81 EMPRESS DR, GRAYSON, KY 41143-9400
Document Number	0001033783
Book / Page	565 / 781
Instrument Date	Oct 2, 2026
Instrument	20261033783
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	ACUITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,490.00
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	106 REGAL OAKS DR, BARBOURSVILLE, WV 25504-8136

Mortgage

Document Number	0001033814,
Date	Oct 5, 2026
Instrument	20261033814

Lender

Name	MEMBERS CHOICE CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER KY
Recording Date	Oct 2, 2025
Property Address	81 EMPRESS DR, GRAYSON, KY 41143-9400
Document Number	000545/896
Book / Page	545 / 896
Instrument Date	Sep 30, 2025
Instrument	1012077
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	ACUITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 EMPRESS DR, GRAYSON, KY 41143-9400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 EMPRESS DR, GRAYSON, KY 41143-9400

Mortgage

Document Number	0001012082
Date	Oct 2, 2025
Instrument	1012082

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Apr 29, 2020
Property Address	81 EMPRESS DR, GRAYSON, KY 41143-9400
Document Number	00OR430/96
Book / Page	OR430 / 96
Instrument Date	Apr 28, 2020
Instrument	422716
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount on Record
Tax	$15.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5920 WILSON CREEK RD, 5920, GRAYSON, KY 41143-8369

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 EMPRESS DR, GRAYSON, KY 41143-9400

Tax Assessment & Valuation

The 2025 property tax bill for 81 Empress Dr was $2,129, down 0.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,129.00 (-0.61%)	$249,700 (-)	$249,700 (-)
2024	$2,142.00 (-0.46%)	$249,700 (-)	$249,700 (-)
2023	$2,152.00	$249,700	$249,700

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

Flood

FEMA maps place 81 Empress Dr in Zone X, an area of minimal flood risk.

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 17 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	17 in force

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 81 Empress Dr is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Empress Dr

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