Rowan County property record for 168 Tower Rd, Clearfield, KY 40313 · Last verified November 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1980 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | Individual Name on File |
| Last Sale | $117,000 (Mar 2021) |
| Tax Bill | $979 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 099-00 00 007.00 |
| Primary APN | 099-00 00 007.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 50,094 sqft (1.15 acres) |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 11336 |
|---|---|
| Street Address | 168 TOWER RD |
| City | CLEARFIELD |
| State | KY |
| Zip | 40313-9051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE MTL BLDG & LOT (1.15 A+-) DRY CREEK CL-4-16+1 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 950301 |
Source: Rowan County records · APN 099-00 00 007.00
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 | 168 TOWER RD, CLEARFIELD, KY 40313-9051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 08, 2021 · Amount on Record |
| Deed Sale | Mar 08, 2021 · Amount on Record |
| Deed Document Number | 2008497 |
| Deed Book / Page | D278 / 802 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Mar 08, 2021 |
| Property Address | 168 TOWER RD, CLEARFIELD, KY 40313-9051 |
| Document Number | 00D278/802 |
| Book / Page | D278 / 802 |
| Instrument Date | Mar 03, 2021 |
| Instrument | 2008497 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $117.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 350 STELLAR NIGHT DR, 350, MOREHEAD, KY 40351-7705 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 168 TOWER RD, CLEARFIELD, KY 40313-9051 |
| Document Number | 0002008498 |
|---|---|
| Date | Mar 08, 2021 |
| Instrument | 2008498 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $979.00 (-1.71%) | $117,000 (-) Land $12,500 Building $104,500 | $117,000 (-) Land $12,500 Building $104,500 |
| 2023 | $996.00 | $117,000 Land $12,500 Building $104,500 | $117,000 Land $12,500 Building $104,500 |
Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059503012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 19 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 2 (2015–2018) |
| Most Recent Claim | Sep 2018, river or lake flooding |
| Wildfire Risk | Moderate above 40% of the US · above 71% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 1,923 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Uniti Group | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE (outdoors only)
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