109 Dillon Dr, Morehead, KY 40351 Property Records

Rowan County property record for 109 Dillon Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 932 sqft · built 1990
Owner	Individual Name on File
Tax Bill	$711 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`097-00 00 003.05`

Property Details

APN / Parcel Number

Primary APN	`097-00 00 003.05`
Alternative APNs	`8155` `8187` `8618`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	932 sqft Living Area

Exterior

Year Built	Built 1990
Exterior Material	Aluminum/Vinyl
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	8618
Street Address	109 DILLON DR
City	MOREHEAD
State	KY
Zip	40351-2001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & LOT #5 MOREHEAD ESTATES
Legal Subdivision	MOREHEAD ESTATES
Legal Lot Number	5
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1007
Census Tract	950301

Owner

109 Dillon Dr is owned and occupied by an individual who acquired it in March 2026.

Source: Rowan County records, as of March 20, 2026

Owner of Record	Individual Name on File
Mailing Address	109 DILLON DR, MOREHEAD, KY 40351-2001
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

Date	Document
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK
Aug 18, 2023	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Mar 6, 2026	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage SOFI BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 6, 2026
Transfer Doc	00D298/815
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	109 DILLON DR, MOREHEAD, KY 40351-2001
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A412/328
Date	Nov 25, 2019
Book Page	A412/328
Instrument	2002296

Lender

Name	KENTUCKY BANK
Type	Bank
Address	PARIS, KY 40362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2034

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	109 DILLON DR, MOREHEAD, KY 40351-2001
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 DILLON DR, MOREHEAD, KY 40351-2001

Mortgage

Document Number	00A462/497
Date	Aug 18, 2023
Book Page	A462/497
Instrument	2024614

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jul 25, 2033

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Mar 6, 2026
Property Address	109 DILLON DR, MOREHEAD, KY 40351-2001
Document Number	00D298/815
Book / Page	D298 / 815
Instrument Date	Feb 23, 2026
Instrument	2044837
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 DILLON DR, MOREHEAD, KY 40351-2001

Mortgage

Document Number	0002044841
Date	Mar 6, 2026
Instrument	2044841

Lender

Name	SOFI BANK NA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 109 Dillon Dr was $711.

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	$711.00	$85,000 Land $10,000 Building $75,000	$85,000 Land $10,000 Building $75,000
2023	$724.00	$85,000 Land $10,000 Building $75,000	$85,000 Land $10,000 Building $75,000

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

Flood

FEMA maps place 109 Dillon Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 14 claims Severe Storms, Tornadoes, And Flooding, Apr 2011 · 3 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 14 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 109 Dillon Dr 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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	0.03% 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: T-Mobile.

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