Rowan County property record for 200 Wells Ln, Morehead, KY 40351
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 5,648 sqft |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,624 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-00 00 080.00 |
| Primary APN | 045-00 00 080.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 5,648 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 871,200 sqft (20 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 11623 |
|---|---|
| Street Address | 200 WELLS LN |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | HSE, BARN & LAND NEAR FOREST HILLS (SEE 97/1002) |
| Legal Subdivision | FOREST HILLS |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 950201 |
200 Wells Ln, a rural home, is owned and occupied by an individual.
Source: Rowan County records, as of November 17, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 200 WELLS LN, MOREHEAD, KY 40351-8845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2023 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Jul 7, 2020 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000080561 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 200 WELLS LN, MOREHEAD, KY 40351-8845 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 200 WELLS LN, MOREHEAD, KY 40351-8845 |
| Document Number | 00A460/499 |
|---|---|
| Date | Jun 16, 2023 |
| Book Page | A460/499 |
| Instrument | 2023433 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 9, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 200 WELLS LN, MOREHEAD, KY 40351-8845 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2020 |
| Name | Verified Name |
|---|
| Document Number | A420/460 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | A420/460 |
| Instrument | 2005501 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jun 17, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 200 Wells Ln was $3,624 with a homeowner's exemption.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,624.00 Homeowner's exemption | $482,100 Land $452,100 Building $30,000 | $630,100 Land $176,500 Building $453,600 |
| 2023 | $2,233.00 Homeowner's exemption | $308,500 Land $278,500 Building $30,000 | $456,500 Land $176,500 Building $280,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 200 Wells Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 18, 2011
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 200 Wells Ln is low, with a 0.03% annual chance of 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 | 0.03% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 15 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 |
| Verizon Fixed Wireless | 300 / 20 |
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