Rowan County property record for 220 Mount Hope Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 1,008 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Aug 2026) |
| Tax Bill | $837 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Apr 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 086-10 00 007.01 |
| Primary APN | 086-10 00 007.01 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,008 sqft Living Area |
| Construction Type | Frame |
|---|---|
| Roof Type | Gable |
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 9662 |
|---|---|
| Street Address | 220 MOUNT HOPE RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8787 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, CAMPER HOOKUP & 1A+- MT HOPE ROAD |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 950302 |
220 Mount Hope Rd is owned by an individual who bought it in August 2026.
Source: Rowan County records, as of August 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 176 LAKE POINTE DR, MOREHEAD, KY 40351-7564 |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Apr 26, 2024 | Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH CREDIT UNION |
| May 7, 2021 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2026 · Amount on File |
| Deed Sale | Aug 3, 2026 · Amount on File |
| Prior Sale | May 7, 2021 · Amount on File |
| Deed Document Number | 20262049054 |
| Deed Book / Page | 300 / 649 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Aug 3, 2026 |
| Property Address | 220 MOUNT HOPE RD, MOREHEAD, KY 40351-8787 |
| Document Number | 0002049054 |
| Book / Page | 300 / 649 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 20262049054 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | TRUE TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,695.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 176 LAKE POINTE DR, MOREHEAD, KY 40351-7564 |
| Document Number | 0002049058, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 20262049058 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Apr 26, 2024 |
| Property Address | 220 MOUNT HOPE RD, MOREHEAD, KY 40351-8787 |
| Document Number | 00D291/540 |
| Book / Page | D291 / 540 |
| Instrument Date | Apr 19, 2024 |
| Instrument | 2029569 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2024 |
| Title Company | NOT AVAILABLE, FOR TRUE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 445 PICNIC HILL RD, JACKSON, KY 41339-9351 |
| Name | Verified Name |
|---|---|
| Address | 476 KINGS RIDGE RD, JACKSON, KY 41339-9642 |
| Document Number | 0002029570 |
|---|---|
| Date | Apr 26, 2024 |
| Instrument | 2029570 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 6.37% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 12.3% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | May 7, 2021 |
| Property Address | 220 MOUNT HOPE RD, MOREHEAD, KY 40351-8787 |
| Document Number | 00D279/609 |
| Book / Page | D279 / 609 |
| Instrument Date | May 5, 2021 |
| Instrument | 2009561 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $25.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 220 MOUNT HOPE RD, MOREHEAD, KY 40351-8787 |
| Name | Verified Name |
|---|---|
| Address | 445 PICNIC HILL RD, JACKSON, KY 41339-9351 |
The 2025 property tax bill for 220 Mount Hope Rd was $837.
Source: Rowan County assessment roll, as of November 18, 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 | $837.00 | $100,000 Land $10,000 Building $90,000 | $100,000 Land $10,000 Building $90,000 |
| 2023 | $374.00 | $44,000 Land $7,500 Building $36,500 | $44,000 Land $7,500 Building $36,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 220 Mount Hope Rd in Zone X, an area of minimal flood risk.
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 | 6 in force |
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 220 Mount Hope Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% 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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
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