111 Maher Dr, Morehead, KY 40351 Property Records

Rowan County property record for 111 Maher Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,352 sqft · built 1991
Lot Size	0.212 acres (9,255 sqft)
Owner	Individual Name on Record
Last Sale	$187,000 (May 2026)
Tax Bill	$853 (2025)
Deeds & Mortgages	Jan 2015 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`097-00 00 003.20`

Property Details

APN / Parcel Number

Primary APN	`097-00 00 003.20`
Alternative APNs	`2990` `3028` `3180`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,255 sqft (0.212 acres)
Garage Type	Attached
Garage Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	3180
Street Address	111 MAHER DR
City	MOREHEAD
State	KY
Zip	40351-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 20 MOREHEAD EST
Legal Subdivision	MOREHEAD ESTATES
Legal Lot Number	20
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1003
Census Tract	950301

Owner

Source: Rowan County records, as of May 14, 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	111 MAHER DR, MOREHEAD, KY 40351-2002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2015	Deed of Trust, Mortgage WHITAKER BANK INC
May 1, 2026	Deed, Transfer · VA Mortgage STATEWIDE MORTGAGE
Feb 27, 2009	Deed, Transfer · Line of Credit WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Mar 6, 2009 · Amount on Record
Deed Document Number	20262046491
Deed Book / Page	299 / 622
Prior Transfer Date	Jul 29, 2008
Prior Transfer Doc	00D232/127
Record Updated	Sep 20, 2026

January 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	111 MAHER DR, MOREHEAD, KY 40351-2002
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A355/738
Date	Jan 26, 2015
Book Page	A355/738
Instrument	391025

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 15, 2035

Interest

Rate Type	Adjustable Rate

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	May 1, 2026
Property Address	111 MAHER DR, MOREHEAD, KY 40351-2002
Document Number	0002046491
Book / Page	299 / 622
Instrument Date	Apr 30, 2026
Instrument	2026.2046491
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$18,887.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	111 MAHER DR, MOREHEAD, KY 40351-2002

Mortgage

Document Number	0002046494,
Date	May 1, 2026
Instrument	2026.2046494

Lender

Name	STATEWIDE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 27, 2009
Property Address	111 MAHER DR, MOREHEAD, KY 40351-2002
Document Number	00D232/127
Book / Page	D232 / 127
Instrument Date	Jul 29, 2008
Instrument	362264
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3217 ROSE RDG, 3217, OLIVE HILL, KY 41164-9766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3499 STATE HIGHWAY 2048, OLIVE HILL, KY 41164
Investor	Possibly a Property Investor

Mortgage

Document Number	000A289/40
Date	Mar 6, 2009
Book Page	A289/40
Instrument	362405

Lender

Name	WHITAKER BANK INC
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 6, 2029

Interest

Rate Type	Adjustable Rate

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	$853.00 (+14.34%)	$101,920 (+16.35%) Land $10,000 Building $91,920	$101,920 (+16.35%) Land $10,000 Building $91,920
2023	$746.00	$87,600 Land $10,000 Building $77,600	$87,600 Land $10,000 Building $77,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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 Record 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

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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