994 Lower Grassy Rd, Grayson, KY 41143 Property Records

Carter County property record for 994 Lower Grassy Rd, Grayson, KY 41143

Property Summary

Property Type	Single Family Home
Details	2,682 sqft
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,725 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`047-00-00-005.02`

Property Details

APN / Parcel Number

Primary APN	`047-00-00-005.02`
Alternative APN	`26421`

Interior

Stories	1 Story
Building Area	2,682 sqft Living Area

Exterior

Lot Area	26,136 sqft (0.6 acres)
View / Lot	Waterfront - Canal

Location & Zoning

Account Number	26421
Street Address	994 LOWER GRASSY RD
City	GRAYSON
State	KY
Zip	41143-7589
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 0.60 ACRE
Jurisdiction	CARTER KY
Township / Civil Division	CARTER
Census Block Group	1
Census Block	1010
Census Tract	960400

Owner

994 Lower Grassy Rd is owned and occupied by two individuals.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	994 LOWER GRASSY RD, GRAYSON, KY 41143-7589
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

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

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	994 LOWER GRASSY RD, GRAYSON, KY 41143-7589
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR369/138
Date	Jan 9, 2017
Book Page	OR369/138
Instrument	378830

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	OLIVE HILL, KY 41164

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	994 LOWER GRASSY RD, GRAYSON, KY 41143-7589
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR434/250
Date	Jul 14, 2020
Book Page	OR434/250
Instrument	433501

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	299 Months
Due	Jun 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 994 Lower Grassy Rd was $1,725.

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	$1,725.00	$202,340	$202,340
2023	$1,594.00	$185,000	$185,000

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

Flood

FEMA maps place 994 Lower Grassy Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1978–2015)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jul 2015 · Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 3 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 3 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

Wildfire risk around 994 Lower Grassy Rd 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.04% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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