1601 Sugar Loaf Mountain Rd, Morehead, KY 40351 Property Records

Rowan County property record for 1601 Sugar Loaf Mountain Rd, Morehead, KY 40351

Property Summary

Property Type	Rural Home
Lot Size	30.7 acres (1,340,777 sqft)
Owner	Individual Name on Record
Last Sale	$7,500 (Nov 2024)
Tax Bill	$2,368 (2025)
Deeds & Mortgages	Jan 2023 Sale Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`030-00 00 012.02`

Property Details

APN / Parcel Number

Primary APN	`030-00 00 012.02`
Alternative APNs	`4134` `4145` `4356`

Exterior

Lot Area	1,340,777 sqft (30.7 acres)

Location & Zoning

Account Number	4356
Street Address	1601 SUGAR LOAF MOUNTAIN RD
City	MOREHEAD
State	KY
Zip	40351-7283
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HOUSE & 5.17AC & 24.514AC TOTAL OF 29.68 SUGARLOAF MTN
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4008
Census Tract	950100

Owner

Source: Rowan County records, as of November 18, 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
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed, Transfer
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2024 · Amount on Record
Deed Sale	Nov 25, 2024 · Amount on Record
Deed Document Number	20242033512
Deed Book / Page	294 / 14
Prior Transfer Date	Nov 20, 2024
Prior Transfer Doc	000D294/14
Record Updated	Jun 8, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jan 25, 2023
Property Address	1601 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7283
Document Number	00D286/700
Book / Page	D286 / 700
Instrument Date	Jan 25, 2023
Instrument	2021064
Transaction Type	Transfer
Record Updated	Feb 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	955 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7746

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	1601 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7283
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A414/410
Date	Feb 5, 2020
Book Page	A414/410
Instrument	2003744

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	1601 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7283
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A426/458
Date	Nov 18, 2020
Book Page	A426/458
Instrument	2007254

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	1601 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7283
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A401/233
Date	Dec 14, 2018
Book Page	A401/233
Instrument	412234

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

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	$2,368.00 (+21.81%)	$282,873 (+24%) Land $282,873	$420,700 (+63.78%) Land $155,500 Building $265,200
2023	$1,944.00	$228,117 Land $228,117	$256,869 Land $46,869 Building $210,000

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
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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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