Rowan County property record for 18 Cotter Way, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,310 sqft · built 2008 |
| Owner | 2 Individual Names on Record |
| Last Sale | $123,000 (Dec 2008) |
| Tax Bill | $1,195 (2025) |
| Deeds & Mortgages | Dec 2008 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-00 00 016.09 |
| Primary APN | 019-00 00 016.09 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,310 sqft Living Area |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 4106 |
|---|---|
| Street Address | 18 COTTER WAY |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT #9 COMMUNITY AT EDGEWOOD |
| Legal Subdivision | EDGEWOOD ESTATES |
| Legal Lot Number | 9 |
| Legal Unit | Y |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 950201 |
Source: Rowan County records, as of November 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 18 COTTER WAY, MOREHEAD, KY 40351-7224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2008 · Amount on Record |
| Deed Sale | Dec 12, 2008 · Amount on Record |
| Deed Document Number | 361299 |
| Deed Book / Page | D231 / 449 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 18 COTTER WAY, MOREHEAD, KY 40351-7224 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00A285/515 |
|---|---|
| Date | Dec 12, 2008 |
| Book Page | A285/515 |
| Instrument | 361301 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63166 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | Dec 11, 2041 |
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 | $1,195.00 (-1.73%) | $142,800 (-) Land $10,000 Building $132,800 | $142,800 (-) Land $10,000 Building $132,800 |
| 2023 | $1,216.00 | $142,800 Land $10,000 Building $132,800 | $142,800 Land $10,000 Building $132,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 18 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 9 (2002–2015) |
| Most Recent Claim | May 2015 · river or lake flooding |
| Claims by Event |
|
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: 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 125 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 | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures