20 Charmark Ct, Morehead, KY 40351 Property Records

Rowan County property record for 20 Charmark Ct, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,446 sqft · built 2007
Lot Size	0.244 acres (10,672 sqft)
Owner	Individual Name on Record
Tax Bill	$853 (2025)
Deeds & Mortgages	Mar 2008 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011-00 00 039.10`

Property Details

APN / Parcel Number

Primary APN	`011-00 00 039.10`
Alternative APNs	`3436` `3468` `3645`

Interior

Stories	1 Story
Building Area	1,446 sqft Living Area

Exterior

Year Built	Built 2007
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	10,672 sqft (0.244 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	3645
Street Address	20 CHARMARK CT
City	MOREHEAD
State	KY
Zip	40351-7689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT # 3A (0.245 ACRE) OFF BLUE BANK RAMEY RIDGE RD
Legal Lot Number	3A
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	3
Census Block	3018
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	20 CHARMARK CT, MOREHEAD, KY 40351-7689
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2013
Deed Sale	Jun 24, 2013
Prior Sale	Mar 4, 2008 · Amount on Record
Deed Document Number	383692
Deed Book / Page	D248 / 365
Record Updated	Jun 8, 2026

March 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 4, 2008
Property Address	20 CHARMARK CT, MOREHEAD, KY 40351-7689
Document Number	00D228/690
Book / Page	D228 / 690
Instrument Date	Mar 4, 2008
Instrument	357274
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$99.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 MONTICELLO DR, 121, MOREHEAD, KY 40351-8044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHARMARK CT, MOREHEAD, KY 40351-7689
Investor	Possibly a Property Investor

Mortgage

Document Number	00A275/664
Date	Mar 4, 2008
Book Page	A275/664
Instrument	357275

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Mar 4, 2046

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	$853.00 (-1.84%)	$102,000 (-) Land $10,000 Building $92,000	$102,000 (-) Land $10,000 Building $92,000
2023	$869.00	$102,000 Land $10,000 Building $92,000	$102,000 Land $10,000 Building $92,000

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	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

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.04% 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	MOREHEAD UTILITY PLANT BOARD serves 9,052 people · EPA ID KY1030292
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2019
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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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