Rowan County property record for 135 Arrowhead Dr, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.616 acres (26,844 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Oct 2010) |
| Tax Bill | $1,838 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Feb 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-00 00 003.31 |
| Primary APN | 022-00 00 003.31 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,844 sqft (0.616 acres) |
| Account Number | 7004 |
|---|---|
| Street Address | 135 ARROWHEAD DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-5800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, POOL , GARAGE & LOT #31 PHASE 2 RIVER EDGE ESTATES |
| Legal Subdivision | RIVER EDGE ESTATES |
| Legal Phase | 2 |
| Legal Lot Number | 31 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 950302 |
Source: Rowan County records, as of May 6, 2026
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 | 135 ARROWHEAD DR, MOREHEAD, KY 40351-5800 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK |
| Feb 2, 2023 | Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK |
| May 24, 2021 | Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2010 · Amount on Record |
| Deed Sale | Oct 21, 2010 · Amount on Record |
| Prior Sale | Sep 30, 2010 · Amount on Record |
| Deed Document Number | 2010369784 |
| Deed Book / Page | 237 / 507 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 135 ARROWHEAD DR, MOREHEAD, KY 40351-5800 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 135 ARROWHEAD DR, MOREHEAD, KY 40351-5800 |
| Document Number | 00A488/362 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | A488/362 |
| Instrument | 2043023 |
| Name | COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 28, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 135 ARROWHEAD DR, MOREHEAD, KY 40351-5800 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 135 ARROWHEAD DR, MOREHEAD, KY 40351-5800 |
| Document Number | 00A457/127 |
|---|---|
| Date | Feb 2, 2023 |
| Book Page | A457/127 |
| Instrument | 2021215 |
| Name | COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 25, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 135 ARROWHEAD DR, MOREHEAD, KY 40351-5800 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00A434/700 |
|---|---|
| Date | May 24, 2021 |
| Book Page | A434/700 |
| Instrument | 2009801 |
| Name | COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 12, 2031 |
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,838.00 (-2.96%) Homeowner's exemption | $268,750 (-) Land $30,000 Building $238,750 | $268,750 (-) Land $30,000 Building $238,750 |
| 2023 | $1,894.00 Homeowner's exemption | $268,750 Land $30,000 Building $238,750 | $268,750 Land $30,000 Building $238,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · river or lake flooding |
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.
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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