151 Wells Ln, Morehead, KY 40351 Property Records

Rowan County property record for 151 Wells Ln, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1965
Owner	Individual Name on File
Last Sale	$320,000 (Apr 2025)
Tax Bill	$1,838 (2025)
Deeds & Mortgages	Apr 2025 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`045-00 00 079.01`

Property Details

APN / Parcel Number

Primary APN	`045-00 00 079.01`
Alternative APNs	`1021` `1056` `998`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Total Area
Basement Area	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	1021
Street Address	151 WELLS LN
City	MOREHEAD
State	KY
Zip	40351-8844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H, GAR & LOT FOREST HILLS FH-1-23
Legal Subdivision	FOREST HILLS
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1004
Census Tract	950201

Owner

Source: Rowan County records · APN 045-00 00 079.01

Assessment roll updated April 1, 2025 · Last verified November 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 File
Co-owner	Verified Secondary Owner
Mailing Address	151 WELLS LN, MOREHEAD, KY 40351-8844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Deed Document Number	2036344
Deed Book / Page	D295 / 277
Record Updated	Jun 08, 2026

April 2025: Deed, Construction Loan

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 22, 2025
Property Address	151 WELLS LN, MOREHEAD, KY 40351-8844
Document Number	00D295/277
Book / Page	D295 / 277
Instrument Date	Apr 17, 2025
Instrument	2036344
Transaction Type	Construction Loan
Record Updated	Nov 18, 2025
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4910 FLEMINGSBURG RD, MOREHEAD, KY 40351-8264

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	151 WELLS LN, MOREHEAD, KY 40351-8844

Mortgage

Document Number	0002036347
Date	Apr 22, 2025
Instrument	2036347

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	367 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 01, 2032
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	11.8%
Index	1-Year CMT
Margin	3
Max Rate	11.8%

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,838.00 (+106.29%)	$219,600 (+45.43%) Land $32,000 Building $187,600	$219,600 (+45.43%) Land $32,000 Building $187,600
2023	$891.00 Homeowner's exemption	$151,000 Land $25,000 Building $126,000	$151,000 Land $25,000 Building $126,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), as of April 18, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 15 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY1030292, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MOREHEAD UTILITY PLANT BOARD serves 9,052 people
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.