846 Wolf Crk, Grayson, KY 41143 Property Records

Carter County property record for 846 Wolf Crk, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	2,176 sqft
Lot Size	35.2 acres (1,535,490 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Oct 2025)
Tax Bill	$1,749 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`097-00-00-066.00`

Property Details

APN / Parcel Number

Primary APN	`097-00-00-066.00`
Alternative APN	`29253`

Interior

Stories	1 Story
Building Area	2,176 sqft Building Perimeter

Exterior

Lot Area	1,535,490 sqft (35.2 acres)

Location & Zoning

Account Number	29253
Street Address	846 WOLF CRK
City	GRAYSON
State	KY
Zip	41143-8582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 35.25 ACRES (2 TRACTS)
Legal Tract	2
Jurisdiction	CARTER KY
Township / Civil Division	WILLARD
Census Block Group	3
Census Block	3006
Census Tract	960700

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	2 Individual Names on Record
Mailing Address	40 BALDRIDGE CEMETERY RD, FLATWOODS, KY 41139-9005
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit MEMBERS CHOICE CU
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE COMMERCIAL BANK OF GRAYSON
Sep 25, 2018	Deed, Transfer · Line of Credit THE COMMERCIAL BANK OF GRAYSON
Apr 13, 2017	Deed, Transfer
Apr 13, 2017	Deed, Transfer UNIVERSAL GUARANTY LIFE INSURANCE C

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	20251012013
Deed Book / Page	545 / 827
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	846 WOLF CRK, GRAYSON, KY 41143-8582
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BALDRIDGE CEMETERY RD, FLATWOODS, KY 41139-9005

Mortgage

Document Number	000545/831
Date	Oct 1, 2025
Book Page	545/831
Instrument	1012017

Lender

Name	MEMBERS CHOICE CU
Type	Credit Union
Address	1401 CENTRAL AVE, ASHLAND, KY 41101

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	9%
Index	1-Year CMT
Max Rate	13%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	846 WOLF CRK, GRAYSON, KY 41143-8582
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR429/731
Date	Apr 22, 2020
Book Page	OR429/731
Instrument	422628

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Sep 25, 2018
Property Address	846 WOLF CRK, GRAYSON, KY 41143-8582
Document Number	0OR399/404
Book / Page	OR399 / 404
Instrument Date	Sep 14, 2018
Instrument	386195
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	846 WOLF CRK, GRAYSON, KY 41143-8582

Mortgage

Document Number	0000386196
Date	Sep 25, 2018
Instrument	386196

Lender

Name	THE COMMERCIAL BANK OF GRAYSON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Sep 30, 2033

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Apr 13, 2017
Property Address	846 WOLF CRK, GRAYSON, KY 41143-8582
Document Number	OR373/563
Book / Page	OR373 / 563
Instrument Date	Mar 27, 2017
Instrument	379914
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	99 LANCASTER ST, 99, STANFORD, KY 40484-1291

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 WESTBROOK RD, PEACH BOTTOM, PA 17563-9679
Investor	Possibly a Property Investor

Mortgage

Document Number	, 379915
Date	Apr 13, 2017
Instrument	379915

Lender

Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Apr 13, 2017
Property Address	846 WOLF CRK, GRAYSON, KY 41143-8582
Document Number	0OR373/563
Book / Page	OR373 / 563
Instrument Date	Mar 27, 2017
Instrument	379914
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	99 LANCASTER ST, 99, STANFORD, KY 40484-1291

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	152 WESTBROOK RD, PEACH BOTTOM, PA 17563-9679
Investor	Possibly a Property Investor

Mortgage

Document Number	0000379915
Date	Apr 13, 2017
Instrument	379915

Lender

Name	UNIVERSAL GUARANTY LIFE INSURANCE C
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,749.00 (+44.9%)	$204,960 (+46.4%)	$204,960 (+46.4%)
2023	$1,207.00	$140,000	$140,000

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	22 (1978–2025)
Claims Outside the SFHA	9 of 22
Most Recent Claim	Feb 2025 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims Severe Storms And Flooding, Mar 2002 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 4 claims

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	Moderate above 42% of the US · above 73% of Kentucky
Wildfire Likelihood	0.07% 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)
Optimum Cable	500 / 20
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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