Rowan County property record for 108 W Main St, Morehead, KY 40351
| Property Type | Commercial |
|---|---|
| Owner | Company Name on File |
| Tax Bill | $2,039 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 080-20 28 004.00 |
| Primary APN | 080-20 28 004.00 |
|---|---|
| Alternative APNs |
|
| Exterior Material | Brick |
|---|---|
| Foundation Type | Concrete |
| Account Number | 8815 |
|---|---|
| Street Address | 108 W MAIN ST |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-1626 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | BLDG & LAND WEST MAIN STREET |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 950301 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Downtown Morehead Historic District listed 2022 · 53 contributing resources · NRIS 100006264 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
108 W Main St, a commercial property, is owned by a company.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5 WATERWAY LN, HILTON HEAD ISLAND, SC 29926-1991 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000279543 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 108 W Main St was $2,039.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,039.00 | $243,692 Land $77,092 Building $166,600 | $243,692 Land $77,092 Building $166,600 |
| 2023 | $1,237.00 | $145,256 Land $45,296 Building $99,960 | $145,256 Land $45,296 Building $99,960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 W Main St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 94 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 94 in force |
| Nearby Flood Claims | 39 (2002–2018) |
| Claims Outside the SFHA | 1 of 39 |
| Most Recent Claim | Sep 2018 · tidal / storm surge |
| Claims by Event |
|
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 108 W Main St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 | MOREHEAD STATE UNIVERSITY state or territorial government · serves 6,500 people · EPA ID KY1030480 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 305 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Networx Technologies.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures