Rowan County property record for 1525 Sugar Loaf Mountain Rd, Morehead, KY 40351
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 5 ba · 3,804 sqft · built 1993 |
| Lot Size | 3,414 acres (148,713,840 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $255,000 (Nov 2011) |
| Tax Bill | $2,344 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 030-00 00 012.00 |
| Primary APN | 030-00 00 012.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 3,804 sqft Living Area |
| Basement Area | 2,448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 148,713,840 sqft (3,414 acres) |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 9906 |
|---|---|
| Street Address | 1525 SUGAR LOAF MOUNTAIN RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | HSE POOL CABIN BARN & LAND SUGARLOAF MTN ROAD |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 950100 |
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 |
|---|---|
| Mailing Address | 1525 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2011 · Amount on Record |
| Deed Sale | Nov 22, 2011 · Amount on Record |
| Deed Document Number | 375103 |
| Deed Book / Page | 241 / 475 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 1525 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7746 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00A420/730 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | A420/730 |
| Instrument | 2005574 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 3, 2030 |
Source: Rowan County assessment roll, as of April 1, 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 | $2,344.00 (-2.74%) Homeowner's exemption | $329,204 (-) Land $294,204 Building $35,000 | $392,000 (-) Land $78,595 Building $313,405 |
| 2023 | $2,410.00 Homeowner's exemption | $329,204 Land $324,204 Building $5,000 | $392,000 Land $81,500 Building $310,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | May 2026 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 200 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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