Rowan County property record for 198 Fall Ln, Clearfield, KY 40313
| Property Type | Single Family Home |
|---|---|
| Details | 1,224 sqft · built 1990 |
| Lot Size | 0.247 acres (10,792 sqft) |
| Owner | Company Name on File |
| Tax Bill | $616 (2025) |
| Deeds & Mortgages | Jun 2025 Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 081-20 00 119.01 |
| Primary APN | 081-20 00 119.01 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,224 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,792 sqft (0.247 acres) |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 5844 |
|---|---|
| Street Address | 198 FALL LN |
| City | CLEARFIELD |
| State | KY |
| Zip | 40313-9787 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT 4 MTN VIEW SUBDIV |
| Legal Subdivision | MTN VIEW SUB |
| Legal Lot Number | 4 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950301 |
Source: Rowan County records · APN 081-20 00 119.01
Assessment roll updated November 18, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 1690 SHARKEY RD, MOREHEAD, KY 40351-9721 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 25, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 25, 2023 | Deed of Trust, Mortgage · Commercial Mortgage LIMA ONE CAPITAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Mar 04, 2025 |
| Transfer Doc | 00D295/140 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 198 FALL LN, CLEARFIELD, KY 40313-9787 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 355 HICKORY DR, MOREHEAD, KY 40351-7788 |
| Document Number | 00A481/709 |
|---|---|
| Date | Jun 25, 2025 |
| Book Page | A481/709 |
| Instrument | 2038194 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 198 FALL LN, CLEARFIELD, KY 40313-9787 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 00A459/214 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | A459/214 |
| Instrument | 2022451 |
| Name | LIMA ONE CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | GREENVILLE, SC 29601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 25 Months |
| Due | May 01, 2025 |
Source: Rowan County records · Assessment roll updated November 18, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $616.00 (+37.19%) | $73,700 (+39.58%) Land $12,500 Building $61,200 | $73,700 (+39.58%) Land $12,500 Building $61,200 |
| 2023 | $449.00 | $52,800 Land $9,960 Building $42,840 | $52,800 Land $9,960 Building $42,840 |
Source: FEMA National Flood Hazard Layer as of April 18, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 19 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 2 (2015–2018) |
| Most Recent Claim | Sep 2018 · river or lake flooding |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 65 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ROWAN WATER INC private · serves 18,765 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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