Rowan County property record for 21 Charmark Ct, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 1,216 sqft |
| Owner | Individual Name on File |
| Last Sale | $84,000 (Dec 2007) |
| Tax Bill | $729 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 011-00 00 039.08 |
| Primary APN | 011-00 00 039.08 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,216 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9886 |
|---|---|
| Street Address | 21 CHARMARK CT |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7689 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT #4A (.239) |
| Legal Lot Number | 4A |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 950100 |
21 Charmark Ct is owned and occupied by an individual who acquired it in March 2011.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 CHARMARK CT, MOREHEAD, KY 40351-7689 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2007 · Amount on File |
| Deed Sale | Dec 17, 2007 · Amount on File |
| Prior Sale | Dec 17, 2007 · Amount on File |
| Deed Document Number | 00D228/255 |
| Deed Book / Page | D228 / 255 |
| Last Transfer Date | Mar 18, 2011 |
| Transfer Doc | 00D238/739 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 21 CHARMARK CT, MOREHEAD, KY 40351-7689 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | A410/825 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | A410/825 |
| Instrument | 2001826 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 19, 2039 |
The 2025 property tax bill for 21 Charmark Ct was $729.
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 | $729.00 | $87,155 Land $10,000 Building $77,155 | $87,155 Land $10,000 Building $77,155 |
| 2023 | $742.00 | $87,155 Land $10,000 Building $77,155 | $87,155 Land $10,000 Building $77,155 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Charmark Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.
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 risk around 21 Charmark Ct is low, with a 0.04% 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 | 0.04% 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) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Windstream.
5G (outdoors only) and 4G LTE
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