Rowan County property record for 204 Maher Dr, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,431 sqft |
| Owner | Individual Name on Record |
| Tax Bill | $883 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 097-00 00 003.50 |
| Primary APN | 097-00 00 003.50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,431 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 4590 |
|---|---|
| Street Address | 204 MAHER DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-2010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT 28 MOREHEAD ESTATES |
| Legal Subdivision | MOREHEAD ESTATES |
| Legal Lot Number | 28 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950301 |
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 | 204 MAHER DR, MOREHEAD, KY 40351-2010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2013 |
| Deed Sale | Aug 22, 2013 |
| Deed Document Number | 384636 |
| Deed Book / Page | D249 / 132 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 204 MAHER DR, MOREHEAD, KY 40351-2010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00A397/268 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | A397/268 |
| Instrument | 410844 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 204 MAHER DR, MOREHEAD, KY 40351-2010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00A422/767 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | A422/767 |
| Instrument | 2006124 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2035 |
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $883.00 (+27.23%) | $105,580 (+29.47%) Land $10,000 Building $95,580 | $105,580 (+29.47%) Land $10,000 Building $95,580 |
| 2023 | $694.00 | $81,550 Land $10,000 Building $71,550 | $81,550 Land $10,000 Building $71,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 94 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 94 in force |
| Nearby Flood Claims | 39 (2002–2018) |
| Claims Outside the SFHA | 1 of 39 |
| Most Recent Claim | Sep 2018 · tidal / storm surge |
| Claims by Event |
|
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: 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 | 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.
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 141 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
May also be available: T-Mobile.
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