853 E Lake Rd, Gracey, KY 42232 Property Records

Trigg County property record for 853 E Lake Rd, Gracey, KY 42232

Property Summary

Property Type	Single Family Home
Lot Size	4.28 acres (186,742 sqft)
Owner	2 Individual Names on Record
Tax Bill	$961 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`84-007`

Property Details

APN / Parcel Number

Primary APN	`84-007`
Alternative APN	`195063`

Exterior

Lot Area	186,742 sqft (4.28 acres)

Location & Zoning

Street Address	853 E LAKE RD
City	GRACEY
State	KY
Zip	42232-9702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FENTRESS LAND 4.287 ACRES
Jurisdiction	TRIGG KY
Township / Civil Division	CADIZ
Census Block Group	2
Census Block	2085
Census Tract	970202

Owner

Source: Trigg County records, as of April 20, 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	853 E LAKE RD, GRACEY, KY 42232-9702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 18, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jun 16, 2021	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	853 E LAKE RD, GRACEY, KY 42232-9702
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M354/573
Date	Jan 2, 2018
Book Page	M354/573
Instrument	195726

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	853 E LAKE RD, GRACEY, KY 42232-9702
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000M376/58
Date	Apr 21, 2020
Book Page	M376/58
Instrument	275714

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 2, 2035

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	853 E LAKE RD, GRACEY, KY 42232-9702
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M365/046
Date	Apr 18, 2019
Book Page	M365/046
Instrument	200192

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2034

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	853 E LAKE RD, GRACEY, KY 42232-9702
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M393/574
Date	Jun 16, 2021
Book Page	M393/574
Instrument	286411

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	KIMBERLY, WI 54136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIGG KY
Property Address	853 E LAKE RD, GRACEY, KY 42232-9702
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M413/626
Date	May 30, 2023
Book Page	M413/626
Instrument	300695

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

Source: Trigg County assessment roll, as of April 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$961.00 (-10.52%) Homeowner's exemption	$156,000 (-)	$156,000 (-)
2023	$1,074.00 Homeowner's exemption	$156,000	$156,000

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 April 19, 2019 · 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	2 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	BARKLEY LAKE WATER DISTRICT serves 14,284 people · EPA ID KY1110019
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	4 ppb (2024–2026) 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
energynet Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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