171 Limestone St, Morehead, KY 40351 Property Records

Rowan County property record for 171 Limestone St, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,820 sqft
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$251,500 (Jan 2025)
Tax Bill	$2,105 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`043-00 00 078.00`

Property Details

APN / Parcel Number

Primary APN	`043-00 00 078.00`
Alternative APNs	`10147` `10214` `11054`

Interior

Stories	1 Story
Building Area	1,820 sqft Living Area
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Exterior Material	Other
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	728 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	11054
Street Address	171 LIMESTONE ST
City	MOREHEAD
State	KY
Zip	40351-8253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE GARAGE & LOT KY 32
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4005
Census Tract	950100

Owner

171 Limestone St is owned and occupied by two individuals who bought it in January 2025.

Source: Rowan County records, as of November 18, 2025

Owner of Record	2 Individual Names on File
Mailing Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 12, 2021	Deed of Trust, Mortgage · VA Mortgage CITIZENS BANK NA
Jan 3, 2025	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Jan 20, 2022	Deed, Transfer · FHA Mortgage UNITED FINANCIAL GROUP LLC
Jun 25, 2020	Intrafamily Transfer, Transfer
Jul 21, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2025 · Amount on File
Deed Sale	Jan 3, 2025 · Amount on File
Prior Sale	Jan 20, 2022 · Amount on File
Deed Document Number	20252034072
Deed Book / Page	294 / 279
Prior Transfer Date	May 14, 2020
Prior Transfer Doc	000D276/32
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A434/377
Date	May 12, 2021
Book Page	A434/377
Instrument	2009631

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

January 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jan 3, 2025
Property Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253
Document Number	00D294/279
Book / Page	D294 / 279
Instrument Date	Dec 17, 2024
Instrument	2034072
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4874 HUNT RD APT 104, 104, BLUE ASH, OH 45242-6975

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253

Mortgage

Document Number	0002034074
Date	Jan 3, 2025
Instrument	2034074

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jan 20, 2022
Property Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253
Document Number	00D282/753
Book / Page	D282 / 753
Instrument Date	Jan 14, 2022
Instrument	2014577
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253

Mortgage

Document Number	0002014578
Date	Jan 20, 2022
Instrument	2014578

Lender

Name	UNITED FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Jun 25, 2020
Property Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253
Document Number	000D276/32
Book / Page	D276 / 32
Instrument Date	May 14, 2020
Instrument	2005373
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jul 21, 2017
Property Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253
Document Number	00D264/694
Book / Page	D264 / 694
Instrument Date	Jul 21, 2017
Instrument	405880
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	171 LIMESTONE ST, MOREHEAD, KY 40351-8253

Tax Assessment & Valuation

The 2025 property tax bill for 171 Limestone St was $2,105.

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	$2,105.00	$251,500 Land $12,500 Building $239,000	$251,500 Land $12,500 Building $239,000
2023	$1,917.00	$225,000 Land $12,500 Building $212,500	$225,000 Land $12,500 Building $212,500

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

Flood

FEMA maps place 171 Limestone St 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 A, within 500 ft
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

Wildfire risk around 171 Limestone St is low, with a 0.04% 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	0.04% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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