109 Chestnut Ln, Morehead, KY 40351 Property Records

Rowan County property record for 109 Chestnut Ln, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,176 sqft · built 1970
Owner	Individual Name on File
Last Sale	$99,000 (Dec 2018)
Tax Bill	$801 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029-30 00 037.00`

Property Details

APN / Parcel Number

Primary APN	`029-30 00 037.00`
Alternative APNs	`7269` `7277` `7689`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area
Basement Area	1,176 sqft

Exterior

Year Built	Built 1970
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	7689
Street Address	109 CHESTNUT LN
City	MOREHEAD
State	KY
Zip	40351-7715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & LOT 188 PINE HILLS PH-7-5
Legal Subdivision	PINE HILLS
Legal Lot Number	188
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4002
Census Tract	950100

Owner

109 Chestnut Ln is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	109 CHESTNUT LN, MOREHEAD, KY 40351-7715
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018 · Amount on File
Deed Sale	Dec 18, 2018 · Amount on File
Deed Document Number	412254
Deed Book / Page	D270 / 265
Record Updated	Jun 8, 2026

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Dec 18, 2018
Property Address	109 CHESTNUT LN, MOREHEAD, KY 40351-7715
Document Number	00D270/265
Book / Page	D270 / 265
Map Reference	CAB 1 SL 179
Instrument Date	Nov 21, 2018
Instrument	412254
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8199 DELAND ST, 8199, PORT CHARLOTTE, FL 33981-5222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CHESTNUT LN, MOREHEAD, KY 40351-7715

Mortgage

Document Number	0000412255
Date	Dec 18, 2018
Instrument	412255

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 109 Chestnut Ln was $801.

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	$801.00	$95,700 Land $7,500 Building $88,200	$95,700 Land $7,500 Building $88,200
2023	$815.00	$95,700 Land $7,500 Building $88,200	$95,700 Land $7,500 Building $88,200

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

Flood

FEMA maps place 109 Chestnut Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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	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.

Wildfire

Wildfire risk around 109 Chestnut Ln is low, with a 0.03% 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	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 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
AT&T Fixed Wireless	100 / 20