221 Flintlock Cir, Morehead, KY 40351 Property Records

Rowan County property record for 221 Flintlock Cir, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,926 sqft · built 2007
Owner	2 Individual Names on File
Tax Bill	$1,483 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit
Flood Zone	Zone A (high risk)
APN	`022-00 00 003.09`

Property Details

APN / Parcel Number

Primary APN	`022-00 00 003.09`
Alternative APNs	`1576` `1634` `1727`

Interior

Stories	2 Stories
Building Area	1,926 sqft Living Area
Basement Area	1,100 sqft

Exterior

Year Built	Built 2007
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1727
Street Address	221 FLINTLOCK CIR
City	MOREHEAD
State	KY
Zip	40351-6076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #6 PHASE 1 KY 801 SOUTH
Legal Phase	1
Legal Lot Number	6
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3015
Census Tract	950302

Owner

Source: Rowan County records, as of November 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	221 FLINTLOCK CIR, MOREHEAD, KY 40351-6076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000220356
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Oct 1, 2026
Property Address	221 FLINTLOCK CIR, MOREHEAD, KY 40351-6076
Document Number	0002051117
Book / Page	499 / 19
Instrument Date	Sep 18, 2026
Instrument	20262051117
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 FLINTLOCK CIR, MOREHEAD, KY 40351-6076

Mortgage

Document Number	0002051117,
Date	Oct 1, 2026
Book Page	499/19
Instrument	20262051117

Lender

Name	STOCK YARDS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,483.00 (-3.26%) Homeowner's exemption	$226,360 (-) Land $30,000 Building $196,360	$226,360 (-) Land $30,000 Building $196,360
2023	$1,533.00 Homeowner's exemption	$226,360 Land $30,000 Building $196,360	$226,360 Land $30,000 Building $196,360

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 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