Rowan County property record for 151 Stern Ln, Morehead, KY 40351
| Property Type | Commercial |
|---|---|
| Details | 3 bd · 1.5 ba · 1,108 sqft |
| Lot Size | 0.483 acres (21,072 sqft) |
| Owner | Company Name on File |
| Last Sale | $132,000 (Sep 2026) |
| Tax Bill | $1,381 (2025) |
| Deeds & Mortgages | Sep 2026 Foreclosure Jan 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 063-40 00 022.00 |
| Primary APN | 063-40 00 022.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,108 sqft Total Area |
| Basement Area | 1,108 sqft |
| Finished Basement | 1,108 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,072 sqft (0.483 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 4694 |
|---|---|
| Street Address | 151 STERN LN |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8708 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | HSE & LOTS 24-25 PROCTOR HGTS (FORMERLY 1645 US 60 WEST) |
| Legal Subdivision | PROCTOR HEIGHTS |
| Legal Lot Number | 24-25 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 950302 |
151 Stern Ln, a commercial property, is owned by a company that bought it in September 2026.
Source: Rowan County records, as of September 29, 2026
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 Record | Company Name on File |
|---|---|
| Mailing Address | 150 STONEBROOK DR, MOREHEAD, KY 40351-1846 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Sep 16, 2026 | Commissioner's Deed, Foreclosure NONE LISTED ON DOCUMENT |
| Jan 9, 2023 | Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Jan 9, 2023 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Mar 16, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2026 · Amount on File |
| Deed Sale | Sep 16, 2026 · Amount on File |
| Prior Sale | Jan 9, 2023 · Amount on File |
| Deed Document Number | 20262050413 |
| Deed Book / Page | 301 / 214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Sep 16, 2026 |
| Property Address | 151 STERN LN, MOREHEAD, KY 40351-8708 |
| Document Number | 0002050413 |
| Book / Page | 301 / 214 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 20262050413 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $13,332.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 150 STONEBROOK DR, MOREHEAD, KY 40351-1846 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 151 STERN LN, MOREHEAD, KY 40351-8708 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00A546/538 |
|---|---|
| Date | Jan 9, 2023 |
| Book Page | A546/538 |
| Instrument | 2020849 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 1645 US HIGHWAY 60 W, MOREHEAD, KY 40351-9252 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1645 60 W, MOREHEAD, KY 40351 |
| Document Number | 00A546/552 |
|---|---|
| Date | Jan 9, 2023 |
| Book Page | A546/552 |
| Instrument | 2020863 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Mar 16, 2022 |
| Property Address | 151 STERN LN, MOREHEAD, KY 40351-8708 |
| Document Number | 00D283/271 |
| Book / Page | D283 / 271 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 2015521 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 373 CIRCLE DR, MOREHEAD, KY 40351-9748 |
| Name | Verified Name |
|---|---|
| Address | 817 WINCHESTER RD STE 150, 150, LEXINGTON, KY 40505-3757 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 151 Stern Ln was $1,381.
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 | $1,381.00 | $165,000 Land $12,500 Building $152,500 | $165,000 Land $12,500 Building $152,500 |
| 2023 | $1,090.00 | $128,000 Land $10,000 Building $118,000 | $128,000 Land $10,000 Building $118,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 151 Stern Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 1 (2010) |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes |
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 risk around 151 Stern Ln is low, with a 0.02% annual chance of 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 |
| 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 104 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 |
| Verizon Fixed Wireless | 300 / 20 |
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