145 Buffalo Br, Morehead, KY 40351 Property Records

Rowan County property record for 145 Buffalo Br, Morehead, KY 40351

Property Summary

Property Type	Mobile Home
Details	3 bd · 1 ba · 1,216 sqft · built 2015
Owner	Individual Name on Record
Last Sale	$40,000 (Apr 2024)
Tax Bill	$724 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-40 00 012.00`

Property Details

APN / Parcel Number

Primary APN	`123-40 00 012.00`
Alternative APNs	`6050` `1448`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,216 sqft Living Area

Exterior

Year Built	Built 2015
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Heating System	Wood Furnace
Heating Fuel	Wood

Location & Zoning

Account Number	1448
Street Address	145 BUFFALO BR
City	MOREHEAD
State	KY
Zip	40351-9057
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	2015 CLAYTON 16X76 MH & LOTS BUFFALO BRANCH
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1031
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	145 BUFFALO BR, MOREHEAD, KY 40351-9057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF GRAYSON
Apr 26, 2024	Deed, Transfer · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2024 · Amount on Record
Deed Sale	Apr 26, 2024 · Amount on Record
Deed Document Number	2029593
Deed Book / Page	D291 / 544
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	145 BUFFALO BR, MOREHEAD, KY 40351-9057
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 OLD KENTUCKY HIGHWAY 801 N, MOREHEAD, KY 40351-8958

Mortgage

Document Number	00A457/393
Date	Feb 16, 2023
Book Page	A457/393
Instrument	2021469

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 3, 2038

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 26, 2024
Property Address	145 BUFFALO BR, MOREHEAD, KY 40351-9057
Document Number	00D291/544
Book / Page	D291 / 544
Map Reference	CAB 1 SL 141
Instrument Date	Apr 25, 2024
Instrument	2029593
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 OLD KENTUCKY HIGHWAY 801 N, MOREHEAD, KY 40351-8958

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	145 BUFFALO BR, MOREHEAD, KY 40351-9057

Mortgage

Document Number	0002029597
Date	Apr 26, 2024
Instrument	2029597

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2049

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	$724.00 (+162.32%)	$86,500 (+166.15%) Land $15,000 Building $71,500	$86,500 (+166.15%) Land $15,000 Building $71,500
2023	$276.00	$32,500 Land $14,000 Building $18,500	$32,500 Land $14,000 Building $18,500

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 500 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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% 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 20 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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