115 Kinder Dr, Morehead, KY 40351 Property Records

Rowan County property record for 115 Kinder Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,346 sqft · built 2000
Owner	Individual Name on Record
Last Sale	$280,000 (Apr 2017)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Oct 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029-00 00 015.37`

Property Details

APN / Parcel Number

Primary APN	`029-00 00 015.37`
Alternative APNs	`4190` `4204` `4425`

Interior

Bedrooms	4 Beds
Stories	2 Stories
Building Area	2,346 sqft Living Area
Basement Area	1,465 sqft

Exterior

Year Built	Built 2000
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	4425
Street Address	115 KINDER DR
City	MOREHEAD
State	KY
Zip	40351-8293
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #33 HICKORY POINTE
Legal Subdivision	HICKORY POINTE
Legal Lot Number	33
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	2
Census Block	2022
Census Tract	950100

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	115 KINDER DR, MOREHEAD, KY 40351-8293
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Oct 8, 2020	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC
Apr 3, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2017 · Amount on Record
Deed Sale	Apr 3, 2017 · Amount on Record
Prior Sale	Jul 8, 2010 · Amount on Record
Deed Document Number	404610
Deed Book / Page	D263 / 609
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	115 KINDER DR, MOREHEAD, KY 40351-8293
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A402/293
Date	Feb 5, 2019
Book Page	A402/293
Instrument	412729

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jan 28, 2029

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	115 KINDER DR, MOREHEAD, KY 40351-8293
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A424/752
Date	Oct 8, 2020
Book Page	A424/752
Instrument	2006795

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 2, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2017
Property Address	115 KINDER DR, MOREHEAD, KY 40351-8293
Document Number	00D263/609
Book / Page	D263 / 609
Map Reference	CAB1 SL451
Instrument Date	Mar 31, 2017
Instrument	404610
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 KINDER DR, 115, MOREHEAD, KY 40351-8293

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	115 KINDER DR, MOREHEAD, KY 40351-8293

Tax Assessment & Valuation

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	$3,124.00 (-1.76%)	$373,300 (-) Land $37,000 Building $336,300	$373,300 (-) Land $37,000 Building $336,300
2023	$3,180.00	$373,300 Land $37,000 Building $336,300	$373,300 Land $37,000 Building $336,300

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 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 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Windstream.

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