129 Castle Dr, Morehead, KY 40351 Property Records

Rowan County property record for 129 Castle Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$55 (2025)
Deeds & Mortgages	Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-20 00 033.00`

Property Details

APN / Parcel Number

Primary APN	`123-20 00 033.00`
Alternative APN	`10576`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Exterior Material	Other
Foundation Type	Concrete
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	10576
Street Address	129 CASTLE DR
City	MOREHEAD
State	KY
Zip	40351-9085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & GARAGE 1 A+- US 60 EAST HAYES SUBD
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1036
Census Tract	950400

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	2 Individual Names on Record
Mailing Address	36 MESSER DR, OLIVE HILL, KY 41164-8489
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000011443
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	129 CASTLE DR, MOREHEAD, KY 40351-9085
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 DOUGLAS HOLW, OLIVE HILL, KY 41164-8461

Mortgage

Document Number	00A486/556
Date	Nov 7, 2025
Book Page	A486/556
Instrument	2041883

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	OLIVE HILL, KY 41164

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 3, 2045

Interest

Rate Type	Adjustable Rate

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	$55.00 Homeowner's exemption	$55,700 (+85.67%) Land $10,000 Building $45,700	$55,700 (+85.67%) Land $10,000 Building $45,700
2023	Homeowner's exemption	$30,000 Land $10,000 Building $20,000	$30,000 Land $10,000 Building $20,000

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.04% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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