224 E Main St, Morehead, KY 40351 Property Records

Rowan County property record for 224 E Main St, Morehead, KY 40351 · Last verified November 2025

Property Highlights

Property Type	Commercial > Retail
Last Sale	$650,000 (2013)
Tax Bill	$8,226.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`080-10 05 002.00`
Alternative APNs	`8120` `8151` `8579`

Exterior

Exterior Material	Brick Veneer Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation

Location & Zoning

Account Number	8579
Street Address	224 E MAIN ST
City	MOREHEAD
State	KY
Zip	40351-2116
Property Usage	Commercial Property Usage
Type	Commercial > Retail
Legal Description	BLDG & LOTS EAST MAIN ST 80-10 05 003.00
Jurisdiction	ROWAN KY
Minor Civil Division	MOREHEAD
Census Blockgroup	1
Census Block	1025
Census Tract	950301

Owner

Source: Rowan County records · APN 080-10 05 002.00

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	21977 W US HIGHWAY 60, OLIVE HILL, KY 41164-8231
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Aug 23, 2013 · Amount on Record
Deed Sale	Aug 23, 2013 · Amount on Record
Deed Doc Number	384637
Deed Book / Page	D249 / 135
Record Refreshed	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	224 E MAIN ST, MOREHEAD, KY 40351-2116
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A432/411
Date	Mar 30, 2021
Book Page	A432/411
Instrument	2008892

Lender

Name	KENTUCKY BANK
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Mar 26, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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	$8,226.00 (+16.76%)	$982,808 (+18.86%) Land $290,108 Building $692,700	$982,808 (+18.86%) Land $290,108 Building $692,700
2023	$7,045.00	$826,884 Land $153,328 Building $673,556	$826,884 Land $153,328 Building $673,556

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

Historic Designation

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.