125 May Rd, Morehead, KY 40351 Property Records

Rowan County property record for 125 May Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	2,594 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$8,000 (Apr 2024)
Tax Bill	$647 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-00 00 041.00`

Property Details

APN / Parcel Number

Primary APN	`123-00 00 041.00`
Alternative APNs	`6936` `6946` `7350`

Interior

Stories	1 Story
Building Area	2,594 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	7350
Street Address	125 MAY RD
City	MOREHEAD
State	KY
Zip	40351-9023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE GARAGE & 1 A+- MAY ROAD
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1000
Census Tract	950400

Owner

125 May Rd is owned and occupied by an individual who bought it in April 2024.

Source: Rowan County records, as of November 18, 2025

Owner of Record	Individual Name on File
Mailing Address	125 MAY RD, MOREHEAD, KY 40351-9023
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
Jun 2, 2021	Deed of Trust, Mortgage · Line of Credit KENTUCKY BANK
Feb 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage KENTUCKY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2024 · Amount on File
Deed Sale	Apr 3, 2024 · Amount on File
Prior Sale	Feb 8, 2021 · Amount on File
Deed Document Number	20242029054
Deed Book / Page	291 / 224
Prior Transfer Date	Feb 3, 2021
Prior Transfer Doc	00D278/555
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	125 MAY RD, MOREHEAD, KY 40351-9023
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A435/115
Date	Jun 2, 2021
Book Page	A435/115
Instrument	2009945

Lender

Name	KENTUCKY BANK
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	237 Months
Due	Mar 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Feb 8, 2021
Property Address	125 MAY RD, MOREHEAD, KY 40351-9023
Document Number	00D278/555
Book / Page	D278 / 555
Instrument Date	Feb 3, 2021
Instrument	2008206
Transaction Type	Transfer
Record Updated	Jan 4, 2022

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
Relationship	Right of Survivorship
Address	125 MAY RD, MOREHEAD, KY 40351-9023

Mortgage

Document Number	0002008207
Date	Feb 8, 2021
Instrument	2008207

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 125 May Rd was $647 with a homeowner's exemption.

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	$647.00 Homeowner's exemption	$126,500 Land $10,000 Building $116,500	$126,500 Land $10,000 Building $116,500
2023	$584.00 Homeowner's exemption	$115,000 Land $10,000 Building $105,000	$115,000 Land $10,000 Building $105,000

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

Flood

FEMA maps place 125 May Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	22 (2010–2024)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Sep 2024 · Remnants Of Hurricane Helene
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 5 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 3 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 125 May Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% 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 17 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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