Rowan County property record for 1640 McBrayer Rd, Clearfield, KY 40313
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 780 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,263 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 063-40 00 039.00 |
| Primary APN | 063-40 00 039.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 780 sqft Living Area |
| Basement Area | 360 sqft |
| Exterior Material | Brick |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 8894 |
|---|---|
| Street Address | 1640 MCBRAYER RD |
| City | CLEARFIELD |
| State | KY |
| Zip | 40313-9631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE GARAGE & 1 A+- MCBRAYER RD |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 950302 |
1640 McBrayer Rd is owned and occupied by an individual.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1640 MCBRAYER RD, CLEARFIELD, KY 40313-9631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000282317 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 1640 MCBRAYER RD, CLEARFIELD, KY 40313-9631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 00A424/247 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | A424/247 |
| Instrument | 2006616 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Aug 29, 2030 |
The 2025 property tax bill for 1640 McBrayer Rd was $1,263 with a homeowner's exemption.
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 | $1,263.00 Homeowner's exemption | $200,000 Land $25,000 Building $175,000 | $200,000 Land $25,000 Building $175,000 |
| 2023 | $1,309.00 Homeowner's exemption | $200,000 Land $25,000 Building $175,000 | $200,000 Land $25,000 Building $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1640 McBrayer Rd 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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · 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 risk around 1640 McBrayer Rd 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 80% of the US · lower than 63% 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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