10 Starlight Ln, Morehead, KY 40351 Property Records

Rowan County property record for 10 Starlight Ln, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,504 sqft · built 2001
Owner	Individual Name on Record
Last Sale	$157,000 (Oct 2018)
Tax Bill	$1,314 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032-00 00 004.06`

Property Details

APN / Parcel Number

Primary APN	`032-00 00 004.06`
Alternative APNs	`9142` `9208` `9699`

Interior

Stories	1 Story
Building Area	1,504 sqft Living Area

Exterior

Year Built	Built 2001
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	9699
Street Address	10 STARLIGHT LN
City	MOREHEAD
State	KY
Zip	40351-7603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE AND LOT # 1 STARLITE LN
Legal Lot Number	1
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2004
Census Tract	950201

Owner

Source: Rowan County records, as of November 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10 STARLIGHT LN, MOREHEAD, KY 40351-7603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 13, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 3, 2018	Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2018 · Amount on Record
Deed Sale	Oct 3, 2018 · Amount on Record
Deed Document Number	411459
Deed Book / Page	D269 / 498
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	10 STARLIGHT LN, MOREHEAD, KY 40351-7603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A425/237
Date	Oct 19, 2020
Book Page	A425/237
Instrument	2006908

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Feb 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	10 STARLIGHT LN, MOREHEAD, KY 40351-7603
Transaction Type	Mortgage
Record Updated	Jan 29, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A413/566
Date	Jan 13, 2020
Book Page	A413/566
Instrument	2003337

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Dec 1, 2048

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 3, 2018
Property Address	10 STARLIGHT LN, MOREHEAD, KY 40351-7603
Document Number	00D269/498
Book / Page	D269 / 498
Map Reference	DD203 PG157
Instrument Date	Sep 28, 2018
Instrument	411459
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 STARLIGHT LN, 10, MOREHEAD, KY 40351-7603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 STARLIGHT LN, MOREHEAD, KY 40351-7603

Mortgage

Document Number	0000411460
Date	Oct 3, 2018
Instrument	411460

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,314.00 (-1.72%)	$157,000 (-) Land $12,500 Building $144,500	$157,000 (-) Land $12,500 Building $144,500
2023	$1,337.00	$157,000 Land $12,500 Building $144,500	$157,000 Land $12,500 Building $144,500

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 18, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MOREHEAD UTILITY PLANT BOARD serves 9,052 people · EPA ID KY1030292
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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