2255 McBrayer Rd, Clearfield, KY 40313 Property Records

Rowan County property record for 2255 McBrayer Rd, Clearfield, KY 40313

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,820 sqft · built 1970
Lot Size	0.569 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Dec 2022)
Tax Bill	$1,597 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-00 00 012.00`

Property Details

APN / Parcel Number

Primary APN	`064-00 00 012.00`
Alternative APNs	`5165` `7397` `7810`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,820 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.569 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	7810
Street Address	2255 MCBRAYER RD
City	CLEARFIELD
State	KY
Zip	40313-9600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & .57 A+- PACK ESTATES
Legal Subdivision	PACK ESTATES
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2015
Census Tract	950302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2255 MCBRAYER RD, CLEARFIELD, KY 40313-9600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Dec 20, 2022	Deed, Transfer · Conventional Mortgage MAYO EMPLOYEES CU
Oct 5, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Prior Sale	Oct 5, 2021
Deed Document Number	2020543
Deed Book / Page	D286 / 382
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	2255 MCBRAYER RD, CLEARFIELD, KY 40313-9600
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A448/737
Date	May 5, 2022
Book Page	A448/737
Instrument	2016601

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	NOVI, MI 48375

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Dec 20, 2022
Property Address	2255 MCBRAYER RD, CLEARFIELD, KY 40313-9600
Document Number	00D286/382
Book / Page	D286 / 382
Instrument Date	Dec 14, 2022
Instrument	2020543
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2255 MCBRAYER RD, CLEARFIELD, KY 40313-9600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20842 N 34TH DR, PHOENIX, AZ 85027-6006

Mortgage

Document Number	0002020544
Date	Dec 20, 2022
Instrument	2020544

Lender

Name	MAYO EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	Other
Max Rate	11.3%

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 5, 2021
Property Address	2255 MCBRAYER RD, CLEARFIELD, KY 40313-9600
Document Number	00D281/498
Book / Page	D281 / 498
Instrument Date	Aug 17, 2021
Instrument	2012530
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 JEWELL LN, MOREHEAD, KY 40351-8836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2255 MCBRAYER RD, CLEARFIELD, KY 40313-9600

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	$1,597.00 (-21.87%) Homeowner's exemption	$240,000 (-) Land $15,000 Building $225,000	$240,000 (-) Land $15,000 Building $225,000
2023	$2,044.00	$240,000 Land $15,000 Building $225,000	$240,000 Land $15,000 Building $225,000

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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