Rowan County property record for 1895 Lower Oak Grove Rd, Morehead, KY 40351
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 1964 |
| Lot Size | 27 acres (1,176,120 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $407 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 140-00 00 033.00 |
| Primary APN | 140-00 00 033.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Basement Area | 1,176 sqft |
| Year Built | Built 1964 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 1,176,120 sqft (27 acres) |
| Garage Type | Attached |
| Heating System | Oil |
|---|---|
| Heating Fuel | Electric |
| Account Number | 2103 |
|---|---|
| Street Address | 1895 LOWER OAK GROVE RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | H & 27 A+- OAK RIDGE KY 173 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 950400 |
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 | 2090 LOWER OAK GROVE RD, MOREHEAD, KY 40351-8533 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000079142 |
| Record Updated | Jun 8, 2026 |
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 | $407.00 (-1.69%) | $48,605 (-) Land $48,605 | $103,880 (-) Land $67,200 Building $36,680 |
| 2023 | $414.00 | $48,605 Land $48,605 | $103,880 Land $67,200 Building $36,680 |
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 15 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (2010–2015) |
| Most Recent Claim | Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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 | Moderate above 46% of the US · above 74% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 25 / 3 |
No cell data coverage reported
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