1995 S Mill Br, Clearfield, KY 40313 Property Records

Rowan County property record for 1995 S Mill Br, Clearfield, KY 40313

Property Summary

Property Type	Mobile Home
Details	1 ba · 1,680 sqft · built 2016
Owner	Individual Name on Record
Last Sale	$14,000 (Sep 2014)
Tax Bill	$443 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082-00 00 009.02`

Property Details

APN / Parcel Number

Primary APN	`082-00 00 009.02`
Alternative APNs	`10041` `10109` `10636`

Interior

Full Baths	1 Bath
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 2016

Location & Zoning

Account Number	10636
Street Address	1995 S MILL BR
City	CLEARFIELD
State	KY
Zip	40313-8900
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	2016 28X60 MH & 100 X 210 LOT SOUTH MILL BRANCH
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3000
Census Tract	950302

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
Co-owner	Co-owner on Record
Mailing Address	1995 S MILL BR, CLEARFIELD, KY 40313-8900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Oct 30, 2019	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2014 · Amount on Record
Deed Sale	Sep 25, 2014 · Amount on Record
Deed Document Number	389647
Deed Book / Page	D253 / 347
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	1995 S MILL BR, CLEARFIELD, KY 40313-8900
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A487/566
Date	Dec 5, 2025
Book Page	A487/566
Instrument	2042595

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	11.6%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	1995 S MILL BR, CLEARFIELD, KY 40313-8900
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A411/313
Date	Oct 30, 2019
Book Page	A411/313
Instrument	2001943

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 30, 2039

Interest

Rate Type	Adjustable Rate

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	$443.00 (-1.77%)	$52,950 (-) Land $7,500 Building $45,450	$52,950 (-) Land $7,500 Building $45,450
2023	$451.00	$52,950 Land $7,500 Building $45,450	$52,950 Land $7,500 Building $45,450

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 70% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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