Rowan County property record for 10 Valley Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,672 sqft · built 1961 |
| Lot Size | 1.93 acres (84,487 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Sep 2020) |
| Tax Bill | $1,297 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029-30 00 017.00 |
| Primary APN | 029-30 00 017.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,672 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 84,487 sqft (1.93 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 815 |
|---|---|
| Street Address | 10 VALLEY RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-9131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & LOT PINE HILLS |
| Legal Subdivision | PINE HILLS |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 950100 |
Source: Rowan County records, as of May 1, 2026
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 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| Sep 14, 2020 | Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2020 · Amount on Record |
| Deed Sale | Sep 14, 2020 · Amount on Record |
| Prior Sale | Sep 26, 2013 · Amount on Record |
| Deed Document Number | 20206450 |
| Deed Book / Page | 276 / 790 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Apr 21, 2026 |
| Property Address | 10 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Document Number | 0002046074 |
| Book / Page | 492 / 886 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20262046074 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 10 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Document Number | 0002046074, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 492/886 |
| Instrument | 20262046074 |
| Name | CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 20, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Sep 14, 2020 |
| Property Address | 10 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Document Number | 00D276/790 |
| Book / Page | D276 / 790 |
| Instrument Date | Aug 21, 2020 |
| Instrument | 2006450 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2025 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2538 VANTON, COLUMBUS, OH 43204 |
| Name | Verified Name |
|---|---|
| Address | 10 VALLEY RD, MOREHEAD, KY 40351-9131 |
| Document Number | 0002006451 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 2006451 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,297.00 (-1.74%) | $155,000 (-) Land $15,000 Building $140,000 | $155,000 (-) Land $15,000 Building $140,000 |
| 2023 | $1,320.00 | $155,000 Land $15,000 Building $140,000 | $155,000 Land $15,000 Building $140,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | May 2026 · river or lake flooding |
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.
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 | 0.03% 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 | ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375 |
|---|---|
| Water Source | Purchased surface water from MOREHEAD UTILITY PLANT BOARD |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2023 |
|---|---|
| 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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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