155 Concord Dr, Morehead, KY 40351 Property Records

Rowan County property record for 155 Concord Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on File
Last Sale	$367,850 (Jun 2025)
Tax Bill	$2,008 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`060-00 00 024.06`

Property Details

APN / Parcel Number

Primary APN	`060-00 00 024.06`
Alternative APN	`6595`

Location & Zoning

Account Number	6595
Street Address	155 CONCORD DR
City	MOREHEAD
State	KY
Zip	40351-6116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	% HOUSE & LOT #6 (0.523 ACRES) TUSCANY ESTATES
Legal Subdivision	TUSCANY ESTATES
Legal Lot Number	6
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1023
Census Tract	950202

Owner

155 Concord Dr is owned by two individuals who bought it in June 2025.

Source: Rowan County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1972 SUNLIT FIELDS CT, NORTH POLE, AK 99705-5451
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 25, 2025	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 28, 2024	Deed, Transfer · Commercial Mortgage PEOPLES BANK OF KENTUCKY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2025 · Amount on File
Deed Sale	Jun 25, 2025 · Amount on File
Deed Document Number	20252038284
Deed Book / Page	296 / 81
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	May 11, 2026
Property Address	155 CONCORD DR, MOREHEAD, KY 40351-6116
Document Number	0002046673
Book / Page	493 / 577
Instrument Date	Mar 2, 2026
Instrument	20262046673
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 CONCORD DR, MOREHEAD, KY 40351-6116

Mortgage

Document Number	0002046673,
Date	May 11, 2026
Book Page	493/577
Instrument	20262046673

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.1%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jun 25, 2025
Property Address	155 CONCORD DR, MOREHEAD, KY 40351-6116
Document Number	000D296/81
Book / Page	D296 / 81
Map Reference	CAB 2 SL 96
Instrument Date	Jun 20, 2025
Instrument	2038284
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$368.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 SAYRE CT, MOREHEAD, KY 40351-7085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 CONCORD DR, MOREHEAD, KY 40351-6116

Mortgage

Document Number	0002038285
Date	Jun 25, 2025
Instrument	2038285

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 28, 2024
Property Address	155 CONCORD DR, MOREHEAD, KY 40351-6116
Document Number	0000D293/6
Book / Page	D293 / 6
Map Reference	CAB 2 SL 96
Instrument Date	Aug 23, 2024
Instrument	2031779
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	737 MAIDENCANE DR, LEXINGTON, KY 40509-9049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 SAYRE CT, MOREHEAD, KY 40351-7085

Mortgage

Document Number	0002031780
Date	Aug 28, 2024
Instrument	2031780

Lender

Name	PEOPLES BANK OF KENTUCKY INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 23, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 155 Concord Dr was $2,008.

Source: Rowan County assessment roll, as of November 18, 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	$2,008.00	$240,000 Land $40,000 Building $200,000	$240,000 Land $40,000 Building $200,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 155 Concord Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	17 in force

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

Wildfire risk around 155 Concord Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 66% 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 19 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

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