1880 Rockfork Rd, Morehead, KY 40351 Property Records

Rowan County property record for 1880 Rockfork Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 896 sqft
Lot Size	1.89 acres (82,328 sqft)
Owner	Individual Name on Record
Tax Bill	$141 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`075-00 00 004.01`

Property Details

APN / Parcel Number

Primary APN	`075-00 00 004.01`
Alternative APNs	`9134` `9200` `9692`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Other
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	82,328 sqft (1.89 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	None
Heating System	Wood Furnace
Heating Fuel	Wood

Location & Zoning

Account Number	9692
Street Address	1880 ROCKFORK RD
City	MOREHEAD
State	KY
Zip	40351-8188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE GARAGE & 1.89 A+- ROCK FORK RD
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	1
Census Block	1012
Census Tract	950100

Owner

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	Individual Name on Record
Mailing Address	1880 ROCKFORK RD, MOREHEAD, KY 40351-8188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000190426
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	1880 ROCKFORK RD, MOREHEAD, KY 40351-8188
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1880 ROCKFORK RD, MOREHEAD, KY 40351-8188

Mortgage

Document Number	00A491/145
Date	Mar 12, 2026
Book Page	A491/145
Instrument	2045051

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	1880 ROCKFORK RD, MOREHEAD, KY 40351-8188
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1880 ROCKFORK RD, MOREHEAD, KY 40351-8188

Mortgage

Document Number	00A459/458
Date	May 8, 2023
Book Page	A459/458
Instrument	2022666

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	1880 ROCKFORK RD, MOREHEAD, KY 40351-8188
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A430/1
Date	Feb 3, 2021
Book Page	A430/1
Instrument	2008153

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	LEWIS CENTER, OH 43035

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 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	$141.00 (-15.57%) Homeowner's exemption	$66,000 (-) Land $17,500 Building $48,500	$66,000 (-) Land $17,500 Building $48,500
2023	$167.00 Homeowner's exemption	$66,000 Land $17,500 Building $48,500	$66,000 Land $17,500 Building $48,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	10 (2001–2017)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Jun 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, May 2003 · 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 62% of the US · above 68% 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 35 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 and 4G LTE (outdoors only)

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