Rowan County property record for 206 E Main St, Morehead, KY 40351 · Last verified November 2025
| Property Type | Commercial > Retail |
|---|---|
| Occupancy | Owner Occupied |
| Tax Bill | $2,590.00 (2025) |
| Primary APN | 080-10 05 006.00 |
|---|---|
| Alternative APNs |
|
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Block |
| Account Number | 3276 |
|---|---|
| Street Address | 206 E MAIN ST |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-1620 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | H & LOT EAST MAIN ST M6-1-1 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 950301 |
Source: Rowan County records · APN 080-10 05 006.00
Assessment roll updated April 1, 2025 · Last verified November 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 File |
|---|---|
| Mailing Address | 206 E MAIN ST, MOREHEAD, KY 40351-1620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 15, 2021 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK |
| Jan 15, 2021 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Document Number | 0000124310 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 206 E MAIN ST, MOREHEAD, KY 40351-1620 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | A429/346 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | A429/346 |
| Instrument | 2007960 |
| Name | THE CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 206 E MAIN ST, MOREHEAD, KY 40351-1620 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | A429/338 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | A429/338 |
| Instrument | 2007961 |
| Name | THE CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 11, 2031 |
Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,590.00 (+53.35%) | $309,510 (+56.12%) Land $196,110 Building $113,400 | $309,510 (+56.12%) Land $196,110 Building $113,400 |
| 2023 | $1,689.00 | $198,256 Land $101,056 Building $97,200 | $198,256 Land $101,056 Building $97,200 |
Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Downtown Morehead Historic District listed 2022 · 53 contributing resources · NRIS 100006264 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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