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1360 McBrayer Rd, Clearfield, KY 40313 Property Records

Rowan County property record for 1360 McBrayer Rd, Clearfield, KY 40313

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,496 sqft · built 1974
OwnerIndividual Name on Record
Last Sale$129,000 (Oct 2014)
Tax Bill$1,313 (2025)
Deeds & MortgagesOct 2025 Line of Credit
Feb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN063-40 00 046.00

Property Details

APN / Parcel Number

Primary APN063-40 00 046.00
Alternative APNs
  • 7167
  • 7180
  • 7587

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,496 sqft Living Area
Basement Area1,496 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof MaterialComposition Shingle
Garage TypeAttached

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account Number7587
Street Address1360 MCBRAYER RD
CityCLEARFIELD
StateKY
Zip40313-9797
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionH & LOTS #1 & 2 OAKDALE SUBDIV OD-1-2
Legal SubdivisionOAKDALE
Legal Lot Number1-2
JurisdictionROWAN KY
Township / Civil DivisionMOREHEAD
Census Block Group3
Census Block3000
Census Tract950302

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1360 MCBRAYER RD, CLEARFIELD, KY 40313-9797
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 1, 2025Deed of Trust, Mortgage · Line of Credit
STOCK YARDS BANK & TRUST CO
Feb 3, 2021Deed of Trust, Mortgage · Conventional Mortgage
ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 28, 2014 · Amount on Record
Deed SaleOct 28, 2014 · Amount on Record
Deed Document Number390053
Deed Book / PageD253 / 695
Record UpdatedJun 8, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionROWAN KY
Property Address1360 MCBRAYER RD, CLEARFIELD, KY 40313-9797
Transaction TypeMortgage
Record UpdatedOct 20, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address1360 MCBRAYER RD, CLEARFIELD, KY 40313-9797

Mortgage

Document Number00A485/348
DateOct 1, 2025
Book PageA485/348
Instrument2040997
Lender
NameSTOCK YARDS BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40223
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionROWAN KY
Property Address1360 MCBRAYER RD, CLEARFIELD, KY 40313-9797
Transaction TypeMortgage
Record UpdatedFeb 21, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00A430/128
DateFeb 3, 2021
Book PageA430/128
Instrument2008170
Lender
NameARK-LA-TEX FINANCE SERVICES LLC
TypeMortgage Company
AddressPLANO, TX 75024
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term301 Months
DueMar 1, 2046

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyRowan County
Unified School DistrictRowan County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,313.00 (+19.47%)$156,960 (+21.67%) Land $20,000 Building $136,960$156,960 (+21.67%) Land $20,000 Building $136,960
2023$1,099.00$129,000 Land $20,000 Building $109,000$129,000 Land $20,000 Building $109,000

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2018)
Most Recent ClaimSep 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.

Wildfire

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

Wildfire RiskLow
lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemROWAN WATER INC
private · serves 18,765 people · EPA ID KY1030375
Water SourcePurchased surface water from MOREHEAD UTILITY PLANT BOARD
Last State InspectionFeb 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 153 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber · DSL in parts of the area		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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