137 E 1st St, Morehead, KY 40351 Property Records

Rowan County property record for 137 E 1st St, Morehead, KY 40351

Property Summary

Property Type	Commercial
Owner	Company Name on Record
Last Sale	$205,000 (Feb 2023)
Tax Bill	$1,721 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-20 29 007.00`

Property Details

APN / Parcel Number

Primary APN	`080-20 29 007.00`
Alternative APNs	`7170` `545` `566`

Exterior

Exterior Material	Other
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)

Location & Zoning

Account Number	566
Street Address	137 E 1ST ST
City	MOREHEAD
State	KY
Zip	40351-1701
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BLDG & LOT EAST FIRST ST
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1047
Census Tract	950301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Morehead Historic District listed 2022 · 53 contributing resources · NRIS 100006264

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	1360 MCBRAYER RD, CLEARFIELD, KY 40313-9797
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2023 · Amount on Record
Deed Sale	Feb 10, 2023 · Amount on Record
Deed Document Number	2021315
Deed Book / Page	D286 / 835
Record Updated	Jun 8, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 10, 2023
Property Address	137 E 1ST ST, MOREHEAD, KY 40351-1701
Document Number	00D286/835
Book / Page	D286 / 835
Instrument Date	Feb 9, 2023
Instrument	2021315
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 CLEARFORK N, MOREHEAD, KY 40351-8125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1360 MCBRAYER RD, CLEARFIELD, KY 40313-9797

Mortgage

Document Number	0002021316
Date	Feb 10, 2023
Instrument	2021316

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 9, 2043

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
Municipality	Morehead City
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,721.00 (+52.17%)	$205,669 (+54.89%) Land $54,469 Building $151,200	$205,669 (+54.89%) Land $54,469 Building $151,200
2023	$1,131.00	$132,784 Land $48,784 Building $84,000	$132,784 Land $48,784 Building $84,000

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 94 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	94 in force
Nearby Flood Claims	39 (2002–2018)
Claims Outside the SFHA	1 of 39
Most Recent Claim	Sep 2018 · tidal / storm surge
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 14 claims Severe Storms, Tornadoes, And Flooding, Apr 2011 · 3 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 14 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	0.02% annual chance
Exposure	Indirect within ember reach

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	MOREHEAD STATE UNIVERSITY state or territorial government · serves 6,500 people · EPA ID KY1030480
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 305 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Networx Technologies.

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