182 Primrose Dr, Morehead, KY 40351 Property Records

Rowan County property record for 182 Primrose Dr, Morehead, KY 40351

Property Summary

Property Type	Commercial
Lot Size	25.2 acres (1,100,326 sqft)
Owner	Company Name on Record
Tax Bill	$12,517 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`019-00 00 017.55`

Property Details

APN / Parcel Number

Primary APN	`019-00 00 017.55`
Alternative APNs	`5414` `5419` `5719`

Exterior

Architectural Style	Mobile Home
Lot Area	1,100,326 sqft (25.2 acres)

Location & Zoning

Account Number	5719
Street Address	182 PRIMROSE DR
City	MOREHEAD
State	KY
Zip	40351-6286
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	18 LOTS & 16 HOUSES THE HOMESTEAD AT FOREST CREEK
Legal Subdivision	HOMESTEAD AT FOREST CREEK
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3016
Census Tract	950201

Owner

Source: Rowan County records, as of February 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1690 SHARKEY RD, MOREHEAD, KY 40351-9721
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 10, 2026
Transfer Doc	0002044331
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045800
Book / Page	492 / 363
Instrument Date	Mar 27, 2026
Instrument	20262045800
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0002045800,
Date	Apr 3, 2026
Book Page	492/363
Instrument	20262045800

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045801
Book / Page	7 / 779
Instrument Date	Mar 27, 2026
Instrument	20262045801
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0002045801,
Date	Apr 3, 2026
Book Page	7/779
Instrument	20262045801

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045795
Book / Page	492 / 309
Instrument Date	Mar 27, 2026
Instrument	20262045795
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	355 HICKORY DR, MOREHEAD, KY 40351-7788

Mortgage

Document Number	0002045795,
Date	Apr 3, 2026
Book Page	492/309
Instrument	20262045795

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045794
Book / Page	492 / 282
Instrument Date	Mar 27, 2026
Instrument	20262045794
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	355 HICKORY DR, MOREHEAD, KY 40351-7788

Mortgage

Document Number	0002045794,
Date	Apr 3, 2026
Book Page	492/282
Instrument	20262045794

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045796
Book / Page	7 / 752
Instrument Date	Mar 27, 2026
Instrument	20262045796
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	355 HICKORY DR, MOREHEAD, KY 40351-7788

Mortgage

Document Number	0002045796,
Date	Apr 3, 2026
Book Page	7/752
Instrument	20262045796

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045793
Book / Page	7 / 725
Instrument Date	Mar 27, 2026
Instrument	20262045793
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	355 HICKORY DR, MOREHEAD, KY 40351-7788

Mortgage

Document Number	0002045793,
Date	Apr 3, 2026
Book Page	7/725
Instrument	20262045793

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045797
Book / Page	492 / 336
Instrument Date	Mar 27, 2026
Instrument	20262045797
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0002045797,
Date	Apr 3, 2026
Book Page	492/336
Instrument	20262045797

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045792
Book / Page	492 / 255
Instrument Date	Mar 27, 2026
Instrument	20262045792
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	355 HICKORY DR, MOREHEAD, KY 40351-7788

Mortgage

Document Number	0002045792,
Date	Apr 3, 2026
Book Page	492/255
Instrument	20262045792

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 3, 2026
Property Address	182 PRIMROSE DR, MOREHEAD, KY 40351-6286
Document Number	0002045791
Book / Page	492 / 228
Instrument Date	Mar 27, 2026
Instrument	20262045791
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	355 HICKORY DR, MOREHEAD, KY 40351-7788

Mortgage

Document Number	0002045791,
Date	Apr 3, 2026
Book Page	492/228
Instrument	20262045791

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

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	$12,517.00 (-1.76%)	$1,495,500 (-) Land $180,000 Building $1,315,500	$1,495,500 (-) Land $180,000 Building $1,315,500
2023	$12,741.00	$1,495,500 Land $180,000 Building $1,315,500	$1,495,500 Land $180,000 Building $1,315,500

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
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	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 2 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims Severe Storms And Flooding, Mar 2002 · 2 claims

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	Low lower than 64% of the US · above 67% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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