Caldwell County property record for 963 Grey Rd, Fredonia, KY 42411
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,554 sqft · built 1998 |
| Lot Size | 6.86 acres (299,257 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $708 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 129572-001 |
| Primary APN | 129572-001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,554 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 299,257 sqft (6.86 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Street Address | 963 GREY RD |
|---|---|
| City | FREDONIA |
| State | KY |
| Zip | 42411-9735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 6.87 ACRES |
| Jurisdiction | CALDWELL KY |
| Township / Civil Division | FREDONIA |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 920100 |
963 Grey Rd is owned and occupied by two individuals.
Source: Caldwell County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 963 GREY RD, FREDONIA, KY 42411-9735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 8, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Apr 8, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000204297 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL KY |
| Property Address | 963 GREY RD, FREDONIA, KY 42411-9735 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 963 GREY RD, FREDONIA, KY 42411-9735 |
| Document Number | 000386/530 |
|---|---|
| Date | Aug 8, 2022 |
| Book Page | 386/530 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | May 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL KY |
| Property Address | 963 GREY RD, FREDONIA, KY 42411-9735 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000382/392 |
|---|---|
| Date | Apr 8, 2022 |
| Book Page | 382/392 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Apr 1, 2042 |
The 2025 property tax bill for 963 Grey Rd was $708.
Source: Caldwell County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Caldwell County |
| Unified School District | Caldwell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $708.00 | $84,900 | $84,900 |
| 2023 | $715.00 | $138,387 | $138,387 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 963 Grey Rd in Zone X, an area of minimal flood risk.
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 risk around 963 Grey Rd is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALDWELL COUNTY WATER DISTRICT serves 6,000 people · EPA ID KY0170528 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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