1090 Rockfork Rd, Morehead, KY 40351 Property Records

Rowan County property record for 1090 Rockfork Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,192 sqft
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Oct 2026)
Tax Bill	$1,506 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Feb 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`075-00 00 023.00`

Property Details

APN / Parcel Number

Primary APN	`075-00 00 023.00`
Alternative APNs	`8186` `8219` `8651`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,192 sqft Living Area

Exterior

Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Account Number	8651
Street Address	1090 ROCKFORK RD
City	MOREHEAD
State	KY
Zip	40351-8130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE GARAGE & 2 A+- & LAND ROCK FORK RD
Legal Subdivision	KENTUCKY HIGHWAY NO 799
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	1
Census Block	1012
Census Tract	950100

Owner

Source: Rowan County records, as of October 22, 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	1090 ROCKFORK RD, MOREHEAD, KY 40351-8130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed, Transfer · Conventional Mortgage STATEWIDE MORTGAGE
Feb 26, 2021	Deed, Transfer · Line of Credit COMMERCIAL BANK
Dec 22, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2026 · Amount on Record
Deed Sale	Oct 8, 2026 · Amount on Record
Prior Sale	Feb 26, 2021 · Amount on Record
Deed Document Number	20262051306
Deed Book / Page	301 / 498
Prior Transfer Date	May 20, 2013
Prior Transfer Doc	00D248/152
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 8, 2026
Property Address	1090 ROCKFORK RD, MOREHEAD, KY 40351-8130
Document Number	0002051306
Book / Page	301 / 498
Instrument Date	Oct 5, 2026
Instrument	20262051306
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,320.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1090 ROCKFORK RD, MOREHEAD, KY 40351-8130

Mortgage

Document Number	0002051311,
Date	Oct 8, 2026
Instrument	20262051311

Lender

Name	STATEWIDE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 26, 2021
Property Address	1090 ROCKFORK RD, MOREHEAD, KY 40351-8130
Document Number	00D278/692
Book / Page	D278 / 692
Instrument Date	Feb 2, 2021
Instrument	2008388
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1720 CABIN CREEK RD, 1720, VANCEBURG, KY 41179-7404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1090 ROCKFORK RD, MOREHEAD, KY 40351-8130

Mortgage

Document Number	0002008389
Date	Feb 26, 2021
Instrument	2008389

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Dec 22, 2017
Property Address	1090 ROCKFORK RD, MOREHEAD, KY 40351-8130
Document Number	00D266/418
Book / Page	D266 / 418
Instrument Date	Oct 16, 2017
Instrument	407907
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	999 CHLAK, 999, VANCEBURG, KY 41179

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 BIG CABN, VANCEBURG, KY 41179

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 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	$1,506.00 (-1.76%)	$180,000 (-) Land $25,000 Building $155,000	$180,000 (-) Land $25,000 Building $155,000
2023	$1,533.00	$180,000 Land $25,000 Building $155,000	$180,000 Land $25,000 Building $155,000

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	10 (2001–2017)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Jun 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, May 2003 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.05% 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 15 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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