1985 Sharkey Rd, Morehead, KY 40351 Property Records

Rowan County property record for 1985 Sharkey Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,128 sqft
Lot Size	1.5 acres (65,340 sqft)
Owner	Company Name on File
Last Sale	$135,000 (Sep 2023)
Tax Bill	$1,129 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017-00 00 013.00`

Property Details

APN / Parcel Number

Primary APN	`017-00 00 013.00`
Alternative APNs	`8736` `8785` `8295`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,128 sqft Living Area

Exterior

Exterior Material	Other
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	8295
Street Address	1985 SHARKEY RD
City	MOREHEAD
State	KY
Zip	40351-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & .629 A+- KY 158 SHARKEY ROAD
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	3
Census Block	3001
Census Tract	950100

Owner

1985 Sharkey Rd is owned by a company that bought it in September 2023.

Source: Rowan County records, as of November 17, 2025

Owner of Record	Company Name on File
Mailing Address	138 CHEYENNE DR, MOREHEAD, KY 40351-7147
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2023	Deed, Transfer · Commercial Mortgage DESCO FCU
Oct 2, 2020	Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Prior Sale	Oct 2, 2020 · Amount on File
Deed Document Number	2024990
Deed Book / Page	D288 / 825
Record Updated	Jun 8, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 5, 2023
Property Address	1985 SHARKEY RD, MOREHEAD, KY 40351-9722
Document Number	00D288/825
Book / Page	D288 / 825
Instrument Date	Aug 25, 2023
Instrument	2024990
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1985 SHARKEY RD, MOREHEAD, KY 40351-9722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CHEYENNE DR, MOREHEAD, KY 40351-7147

Mortgage

Document Number	0002024991
Date	Sep 5, 2023
Instrument	2024991

Lender

Name	DESCO FCU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	179 Months
Due	Aug 25, 2038

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 2, 2020
Property Address	1985 SHARKEY RD, MOREHEAD, KY 40351-9722
Document Number	00D277/210
Book / Page	D277 / 210
Instrument Date	Sep 29, 2020
Instrument	2006734
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4152 MOUNT CARMEL RD, FLEMINGSBURG, KY 41041-7322

Mortgage

Document Number	0002006735
Date	Oct 2, 2020
Instrument	2006735

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1985 Sharkey Rd was $1,129.

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	$1,129.00	$135,000 Land $12,500 Building $122,500	$135,000 Land $12,500 Building $122,500
2023	$1,035.00	$121,550 Land $12,500 Building $109,050	$121,550 Land $12,500 Building $109,050

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1985 Sharkey Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (2003–2026)
Claims Outside the SFHA	5 of 6
Most Recent Claim	May 2026 · river or lake flooding

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

Wildfire risk around 1985 Sharkey Rd is low, with a 0.05% annual chance of wildfire.

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.

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 49 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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