Rowan County property record for 21 Chestnut Ln, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 1,580 sqft |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Oct 2023) |
| Tax Bill | $1,129 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029-30 00 032.00 |
| Primary APN | 029-30 00 032.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,580 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 5313 |
|---|---|
| Street Address | 21 CHESTNUT LN |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & LOT #184 SECTION 11 PINE HILLS |
| Legal Subdivision | PINE HILLS |
| Legal Lot Number | 184 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 950100 |
21 Chestnut Ln is owned and occupied by an individual who bought it in October 2023.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 21 CHESTNUT LN, MOREHEAD, KY 40351-7714 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2023 · Amount on File |
| Deed Sale | Oct 5, 2023 · Amount on File |
| Deed Document Number | 2025735 |
| Deed Book / Page | D289 / 353 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Oct 5, 2023 |
| Property Address | 21 CHESTNUT LN, MOREHEAD, KY 40351-7714 |
| Document Number | 00D289/353 |
| Book / Page | D289 / 353 |
| Map Reference | MB 3 PG 34 |
| Instrument Date | Oct 5, 2023 |
| Instrument | 2025735 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 CHESTNUT LN, MOREHEAD, KY 40351-7714 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 21 CHESTNUT LN, MOREHEAD, KY 40351-7714 |
| Document Number | 0002025736 |
|---|---|
| Date | Oct 5, 2023 |
| Instrument | 2025736 |
| Name | STOCK YARDS BANK AND TRUST COMPANY |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 21 Chestnut Ln was $1,129.
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 | $1,129.00 | $135,000 Land $12,500 Building $122,500 | $135,000 Land $12,500 Building $122,500 |
| 2023 | $910.00 (+20.37%) | $106,900 (+22.17%) Land $12,500 Building $94,400 | $106,900 (+22.17%) Land $12,500 Building $94,400 |
| 2022 | $756.00 | $87,500 Land $10,000 Building $77,500 | $87,500 Land $10,000 Building $77,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Chestnut Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2026) |
| 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 Chestnut 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 | ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375 |
|---|---|
| Water Source | Purchased surface water from MOREHEAD UTILITY PLANT BOARD |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2023 |
|---|---|
| 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 57 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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